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Underwriting Priciples and Controls Part I is an insurance continuing education study that explores basic ideas behind the system of risk selection. Examine how an underwriter functions. Become familiar with the types of underwriters, the skills required, and the criteria used in risk assessment. Discover the terms and process of ratemaking. Review legal issues affecting underwriting and the effects of the "Americans with Disability Act." As an insurance professional become familiarized with the economics of underwriting.