PuzzleType=Crossword PuzzleTitle=Property & Casualty Underwriting PuzzleDate= PuzzleAuthor= PuzzleCopyright=ŠTESTivity, LLC PuzzleBackgroundColor=#ECE9D8 GridBackgroundColor=#DFDFDF PuzzleTextColor=#000000 PuzzleTextSize=Normal CrosswordAllowCheck=True CrosswordAllowRevealWord=True CrosswordAllowRevealLetter=True CrosswordAllowSolve=False CrosswordForceUpperCase=True PuzzleUseTimer=True GridShadow=3 GridWidth=20 GridHeight=13 GridValues=0 0 0 0 0 0 0 0 0 0 0 0 1p0 0 0 0 0 0 0 0 0 0 0 1a0 0 0 0 0 0 0 1r0 0 0 0 0 0 0 0 1t0 1a1p1p1l1i1c1a1t1i1o1n0 0 0 0 0 0 0 1h0 0 1p0 0 0 0 0 0 0 1d0 0 0 0 0 0 0 0 1r0 0 1l0 0 1a0 0 0 0 1u0 0 0 0 0 0 0 0 1e0 0 1i0 0 1d0 1p0 0 1c0 0 0 0 0 1c0 1r1e1d1u1c1e0 1v0 1h0 0 1e0 0 1n0 0 1l0 1a0 0 0 1a0 0 1e0 1y0 0 1r0 0 1i0 0 1a0 1t1h1i1r1t1y0 1r0 1s1u1b1s1t1a1n1d1a1r1d1e0 0 0 1i0 0 1s0 1i0 0 0 0 0 1e0 0 1i0 1d0 0 1s1o1l1v1e1n1c1y0 0 0 0 1t0 0 1f0 0 0 0 0 1n0 0 0 0 1a0 0 0 0 0 1y0 0 1y0 0 0 0 0 0 0 0 0 0 1l0 0 0 0 0 0 0 0 0 0 Checksum=351528984 CWA=If an insurer plans to access information not provided on the application or available through public sources the insurer must be notified no later than time of ________ CWA=Tightening underwriting requirements will _____ the loss ratio CWA=A signed application authorizes the insurer to collect information for _____ months. CWA=An applicant who has a bad driving record, but is not uninsurable is considered to be a _________ risk. CWA=Accepting too many substandard risks may threaten the insurer's ________. CWD=This report should contain any information the agent observes that might affect the underwriter's decision. CWD=The underwriter relies heavily on the representations made on the ___________. CWD=If an investigative report is obtained, the applicant must be notified within ____ days of the date the report was requested. CWD=________ selection is the tendency of those who are high risk (and know it) to try to obtain insurance. CWD=_______ inspection of the property is usually required by the underwriter CWD=Exclusions exist in an insurance policy to ______ coverage, not to prevent fraud CWD=A policy that has been modified, in its premium requirement, to compensate for an additional risk has been _____. CWD=After receiving notice that an adverse underwriting decision has been made, an individual has _____ business days within which to request a copy of the report