Modern U.S. life / SI / mortgage-protection underwriting knowledge — actuarial decision framing for software.
Knowledge priority 8/10Not legacy dump tree
Actuarial software-knowledge disclaimer:
These pages synthesize typical U.S. life / simplified-issue / final-expense / mortgage-protection
underwriting logic used industry-wide (2024–2026 field guides, carrier appetites, reinsurance mortality framing).
They are not any single carrier’s filed rates, not advice to applicants,
and not the legacy 2022 database dump. Use them to design interview schemas and carrier-ruleset APIs.
Actuarial view
Cirrhosis and decompensation are high mortality. Hep C with SVR (cure) is far more favorable in 2020s UW than untreated Hep C. NASH fibrosis stage matters.
Primary risk drivers
Diagnosis
Cirrhosis / ascites / varices
Fibrosis score
Hep C SVR date
Alcohol use
LFTs / platelets
Life (full / accelerated)
Map drivers → rate class / flat extra / postpone / decline. Labs & Rx history refine.
Mortgage / FE SI
Fatty liver alone usually OK; cirrhosis not for level SI.
Health insurance
Liver disease is high medical cost—labs essential.
Recommended interview logic (software schema)
Hepatitis, fatty liver/NASH, cirrhosis, or alcohol-related liver disease?
NAFLD without significant fibrosis
Often OK if metabolic risks controlled
Hep C — cured (SVR)
Many carriers Standard after documented cure + normal LFTs