Empowering and Knowledge-based: A Wealth of Information The book takes up the complicated life insurance topic of underwriting and provides a clear understanding of what the process is and what it seeks to accomplish. The author, El-Tumu Trueh, a fellow of the life management institute with significant industry experience, provides for readers a candid discussion of the general life insurance application process; imparting knowledge of significant value to consumers. The book, a must read for life insurance agents and those employed in the life insurance industry - particularly sales and distribution, is well presented and will leave readers greatly empowered in industry knowledge.