Underwriting Manual

Turn challenges into opportunities

Easy to use expert guidelines for complex risk assessment

Whether you need to underwrite an applicant with a history of colon cancer,  or professional scuba diver frequently traveling to the Gulf of Guinea for work, and participates in curling on weekends, SOLEM provides a comprehensive set of guidelines to help you assess some of the most complex risks. SOLEM accommodates all types of benefits, including death, critical illness, disability income, long-term care, and medical expenses.

Product Capabilities

SCOR’s Underwriting Manual powered by data and knowledge

Discover how SOLEM offers a thorough framework to help you evaluate even the most intricate risks.

SCOR’s team of underwriters, doctors, actuaries, and data scientists continually update and locally adjust SOLEM.

We are annually reviewing more than 50 conditions on average, constantly monitoring the latest research and data to create relevant, inclusive, evidence-based, easy to use guidelines. Our aim is to cover as many people as possible for the fairest possible Underwriting decision.

SOLEM guidelines are always adapted to local market situations.

We aim for SOLEM to be constantly adapted to local situations, thanks to our network of local medical underwriters with direct contact to clients, who always have their say as we build and update guidelines. There is more than one manual in SOLEM – there are as many manuals as places where SCOR does business, and you can access SOLEM in as many as nine languages.

SOLEM includes information pages for medical underwriters to know more about the risks.

For every rating page in SOLEM, there is an information page to support and explain it. By providing extensive background information on risks, information pages allow medical underwriters to fully understand and be prepared to explain the decisions they’re making.