From the working papers
Notes on application files
Short pieces from reviews we have already finished. They are not legal advice and they are not a substitute for your own underwriting rules.
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Preparing an application file for review in Ipoh
How to box paper packs, name scans, and book a drop-off at Regat Dato Mahmud so the first day of an engagement is not spent unpacking.
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How brokers and insurers disagree about ‘complete’
Cover sheets that promise a full pack, product checklists that grew after the form was printed, and why we score against the insurer’s current list.
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Sampling fifty files without pretending you read the book
How we draw a sample for a branch or a producer panel so the findings memo is honest about what it can and cannot say.
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Where medical questionnaires go quiet
Blank fields treated as ‘no’, hospital bills sitting next to clean answers, and other silences that belong in a findings memo rather than in a hallway conversation.
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What a complete Malaysian life application pack usually contains
A working list of the papers we expect to see in a life or medical proposal file in Perak, and the gaps that still surprise underwriting assistants.
