Welcome to our continuously revised underwriting manuals.

We are proud to present tools specially designed to give you easy access to current
underwriting information.

The content is constantly updated by our Research team of medical and actuarial
professionals and vetted by our Underwriting team.

Life Web Underwriting Manual (Life-WUM)
Critical Illness Web Underwriting Manual (CI-WUM)


COVID-19 Resources

Optimum Life Reinsurance has done considerable research and development in addition to industry benchmarking to shape guidelines for underwriting COVID-19 risk.

Below are our initial guidelines as well as amendments made as COVID-19’s prevalence and mortality impact has evolved. In addition, there are links to data sources about the impact of COVID-19 to insurance clients.

Please do not hesitate to reach out with suggestions or questions on any COVID-19 related matters.

March 25, 2020 COVID-19 guidelines

July 23, 2020 COVID-19 amendments

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Dr. Minas Joannides at
972-813-1007 or email him at

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