Previous studies indicate that the use of child labour on the tobacco estates is in fact continuous and part of the overall labour market. Children are usually not employed directly on the estates but work as part of the tenant family.
A Broker is NOT the same as and Underwriter (U/W). The Broker usually owns the mortgage company. He contracts with several companies to write loans.
For underwriters with at least 3 years of insurance experience, The Institutes offers the Chartered Property and Casualty Underwriter (CPCU) designation. For beginning underwriters, The Institutes offers a training program.The Institutes also offers two special designations, an Associate in Commercial Underwriting (AU) and an Associate in Personal Insurance (API).To earn either the AU or API designation, underwriters complete a series of courses and exams that generally take 1 to 2 years.he Institutes also offers two special designations, an Associate in Commercial Underwriting (AU) and an Associate in Personal Insurance (API). To earn either the AU or API designation, underwriters complete a series of courses and exams that generally take 1 to 2 years.