The process of evaluating the risks is of the outmost importance for any insurance company. The cost of a wrong decision can be catastrophic. Responsibility should not be borne only by the underwriter but also by the salesperson who introduced the risk. The purpose of the program is to present to the trainees the importance of the underwriting department, explain the underwriting procedure and prepare them to become the ‘initial underwriters’ i.e. being capable to assess the risk and give a more objective description to the underwriter before taking the final decision.