Mortality, Morbidity, & Risk Analysis (Advanced): Assesses mortality and morbidity through a given set of underwriting factors such as financial, medical, and lay to assess overall risk; classifies and screens applicants using underwriting principles to determine the risk class assigned to the applicant. Insurance Finance & Actuarial Acumen (Intermediate): Applies knowledge of a comprehensive range of finance, accounting and actuarial concepts and terminologies within insurance related practices to understand the financial implications of different underwriting decisions, analyze risk, adjusting premiums or changing coverage limits.