About Us
Life Insurance Underwriters
is a non-profit organization for consumer reforms
in the life insurance industry. We commissioned this study based on the author's
previous work in the field of life insurance underwriting.
About the Author
Norlyn Dimmitt, FSA,
has been spearheading a movement espousing that consumers be
underwritten, and hence accurately quoted, before applying for insurance.
A Fellow in the Society of Actuaries, Norlyn has 17 years industry experience,
including as a product actuary for Life of Virginia and Zurich Life.
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"I've been a life insurance actuary since 1985. During my tenure at Zurich
Life (1993-1995), I promoted, designed, and priced their Super Select Term
policy, which unfortunately helped propel the term industry into its current
chaotic state, with a proliferation of risk classes, rampant misquotes (because
so few qualify for the lowest rates), and increased customer dissatisfaction."
"I founded ExamFirst,Inc. in July, 1999. It is an enormously difficult undertaking,
an effort to change the entire term delivery paradigm, by allowing customers
to get underwritten BEFORE they apply to a term company. By taking their
Exam First, misquotes would be dramatically reduced, and policies could be issued much
more quickly."
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