The proprietary SGSF Underwriting Manual is the foundation for several customizable risk assessment tools.  This manual is an adaptation of the widely used Risk Concepts Individual Major Medical Underwriting Manual.  It provides table ratings for more than 1500 medical conditions.  The Risk Assessment methodology includes the ability to assign “preferred” status, as appropriate, to qualified adult members.  Customizable tools include:

• Employee and Employer Applications that capture the information necessary to properly evaluate employer and member risk
• A Self-Funded Broker Guide
• SGSF Agent training materials

Integration of Risk Assessment functions with those of the Pricing and Web modules assures consistent and seamless quote processes.