During the underwriting process, it is common to check some factors about the person or property being insured. Such factors can be related to either the insured or the subject of insurance or to both.

For life insurance, such factors could relate to age, medical condition, life-style, etc.

For an automobile, it could include the physical condition of the vehicle, its market value, its ownership and its use.

For a residence such factors could include natural hazards -- flood, earthquake zone -- the replacement cost and location, as in a low or high crime area. For commercial properties, such factors as replacement cost, use of the property, value of raw materials and finished goods on site, etc.

As many such factors are complex and require some degree of special skills to assess, many products and services to support their proper determination have been developed and are usually assessed by our professionals with rich experience in the field.