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Seema Samad

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Recent Posts

Treating Type II Diabetes with Gastric Bypass Surgery: Underwriting Expert Series Week 15

Dec 4, 2018 1:52:16 PM / by Seema Samad posted in Underwriting Expert Series, Life Underwriting

L3_Expert Series_type 2 diabetes_112918 

Diabetes has been a longstanding area of interest for life underwriters. The Centre for Disease Control estimates that more than 30 million Americans have diabetes. The numbers appear to be rising, and it’s estimated that as many as 80 million Americans are living with prediabetes – the condition that typically leads to type II diabetes within five years. The numbers are impactful, especially since nearly 1 in 4 people with prediabetes are undiagnosed.

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19 of the Best Job Interview Questions to Ask Underwriting Candidates (And What to Look for in Their Answers)

Aug 17, 2017 3:02:33 PM / by Seema Samad posted in Underwriting

As a hiring manager, interviews should help you accomplish two things. One, get a better sense of the candidate's knowledge, skills and ability to handle situations specific to their role. Two, get a sense of the candidate's personality. Asking questions to understand both the professional and personal side of a candidate will give you a true sense of who you are. Plus it will help you identify well-rounded, dynamic talent - which is key to developing an all-star team.

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Ulcerative Colitis - The Gut Feeling You Get With Critical Illness Underwriting

Mar 24, 2017 5:00:00 PM / by Seema Samad posted in Underwriting, Life Insurance


Many Life Underwriters will tell you that when it comes to underwriting ulcerative colitis, you need to know the cold hard facts, such as:

  • When it was diagnosed,
  • The severity of the disease,
  • And whether it is for life or critical illness (CI) insurance.
It cannot be stressed enough how important it is to have information in excess regarding the details, complications and testing.

The underwriter will want an APS report in addition to the application itself. The more we know about the severity of the condition, the better we can assess the risk.

Ulcerative colitis most definitely can be insurable for CI, but it is often attached with a rating. The size of the rating will be determined by our understanding of the impairment. To better understand the disease, let's take an in-depth look at ulcerative colitis.


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4 Questions and Answers Revealing the Behind the Scenes of LOGiQ3 Underwriting

Sep 16, 2016 11:07:23 AM / by Seema Samad posted in Underwriting, Life Insurance, LOGiQ3

As a longer-standing member of LOGiQ3’s team of underwriters, I often get asked a lot of questions, both from an internal coaching perspective, as well as an external interested stakeholder perspective. On the external side, the number one question I get asked is, “HOW do you pronounce the name of your company!?” And I tell them, just exactly how you would think ;).

Once they get over that hurdle and blush from the fact that it is actually an easy name to pronounce, they move onto things like: “What is your workflow like?” or “What types of life insurance products do you handle?” “What resources do you have access to?” All very logical questions if you ask me! Below is actually a direct quote from a current colleague of mine who, prior to joining, was interested in working for us. And this is just a short snippet from the 21 questions game we played about the company in what was a very long (re: humorous & enjoyable) email chain indeed.

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Using LOGiQ3's E-Learning Program to Complement your Life Underwriting Insurance Designation Studies

Aug 21, 2015 1:18:45 PM / by Seema Samad posted in Underwriting, E-Learning / Training

Hi there,

My name is Seema and I’m one of LOGiQ3’s life underwriters. Not long ago, one of my wonderful colleagues and of course friend, here at LOGiQ3 wrote a blog post titled;   “The Reinsurance Analyst's Guide to Achieving your FLMI, ARA & ACS” which provided some insight on what is needed to own your career in the Reinsurance industry and take it to the next level. On a similar note, my goal with this blog post I have for you here is to shed light on how Underwriters can gain a competitive edge while studying for their professional designations, FALU and FLMI.

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