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Online underwriting, in simple terms, is the application of internet technology and "intelligent" programming techniques to automate the provider process of assessing risk, whether medical or otherwise, and applying or offering appropriate terms based on responses to assessment questions. The life and critical illness protection market has concentrated on systems utilised by insurance intermediaries submitting new applications on behalf of clients. The retail sector has, however, already had experience of using such systems to accommodate direct consumer new business submissions through a...