PROCEDURES

Risk Evaluation Process

Personal background:

• MIS/World Compliance.
• Customer Identification Program (documents, financial information, residence).

Call from Risk Evaluation Officer:

• Telephone interview with plan- or policyholders purchasing annual premiums that exceed a specific figure in U.S. Dollars or Euros. Explanation of policy/plan terms and conditions

Welcome call:

• Confirmation of customer’s personal information.
• Establishing security protocols.
• Confirmation of username and pass code.

Field Investigation:

• Private investigation services for policies or plans exceeding specific limits of an insured amount, in Dollars or Euros.

Medical and Financial Risk Evaluation:

• Risk Reviewers.
• Chief of Risk Reviewers.
• Medical Evaluator.
• International Reinsurers.
• Politically Exposed Persons (PEP).

Document Processing:

• Digitalization of documents.
• Electronic payment processing.
• Subscription of policies and plans.
• Review and Quality Control.

References:

• Customer interviews are conducted at their residence or workplace.
• Potential customers who are not referred by known individuals are not admitted.
• Individual review of each case by local or regional management.