Super Heros
When using Super Criteria, this is the maximum number of rate classes a case can be improved from the worst initial evaluation.
What is one class?
This agile project management tool used in Horizon helps visualize work by organizing tasks into Pending, Action Needed, and Completed columns.
What is the Kanban Board/Workboard?
This type of task is preferred over RTMs when reflexive health questions need to be asked, because it allows system rules to re-run and reassess risk.
What is an amendment?
This type of rule card is generated when prescription data cannot be mapped to a disclosed impairment or application question.
What is a Prescription Only Rule Card?
When reviewing an APS, underwriters should focus on documenting only these types of details that impact mortality assessment.
What are important impairments and supporting information?
To qualify for a rate class improvement under Crediting Criteria, an applicant must meet this number of favorable health or lifestyle indicators.
What is three out of seven?
This card is created when the system detects a fraud scan or criminal history and sends rules to RUW for decision.
What is the SIU Referral card?
This task is used when the system cannot leave a question blank, such as verifying a driver’s license number, and must be sent directly to the applicant.
What is a Response to Memo (RTM)?
When reviewing a Prescription Only Rule Card, underwriters should check this section to identify the rule number and related medication data.
What is the "Rx data considered by rules" section?
This type of documentation should be added every time an underwriter enters a case, summarizing how the case is trending and what is still needed.
What is an Underwriting Rationale?
This specific blood test must show a value under 100 for applicants aged 60 and up to count toward crediting criteria.
What is NT ProBNP?
This section of Horizon provides a visual journey of the application, using blue, green, grey, and red/yellow segments.
What is the Application Tracker?
This action allows underwriters to change a system-assigned risk class when further review shows a different rating is appropriate.
What is a rule override?
After reviewing a Prescription Only Rule Card and determining no underlying impairment, underwriters should update the card to this risk class and move it to Completed.
What is Preferred Plus?
This documentation principle means underwriters should update or delete outdated codes and ensure accuracy in the MIB tab.
What is “Code as you go if you know”?
This family history requirement must be confirmed before credit can be given: both parents lived to this age and no sibling had early onset of cancer or cardiovascular disease.
What is age 75?
This area allows underwriters to leave confidential notes or public messages for agents, summarizing case status or highlighting comorbidities.
What is Underwriting Rationale?
Before approving a case, underwriters must review this section to ensure the correct information will populate in the approval letter.
What is Case Status?
If a lab result like cholesterol/HDL ratio is going to be rated Standard Plus, this should be documented on this card and referenced on the related rule card.
What is the exam card?
When documenting lab results, each value should be paired with this to reflect its underwriting impact.
What is a risk class assessment?
This manual classification level prevents a case from being improved beyond Standard using Super Criteria unless other compelling evidence exists.
What is Table 1 (+25) by the Ascent manual?
This type of card is automatically created when the system cannot determine a risk class and needs an underwriter to assess the condition.
What is a Blue Rule Card?
This action is required when the “Approve” button is greyed out and the system has not yet met all conditions for final approval.
What is completing all cards and ensuring the case is ready for decision?
When a card has too much information to save at once due to system limits, underwriters should use this method to ensure all notes are captured.
What is copy/paste in segments and use the history tab?
To view the applicant’s date of birth or place of birth in the MIB tab, underwriters must perform this action.
What is hovering the cursor over the row?