Underwriting is a challenging but rewarding career in the insurance industry. Business Management B.S. The NAIC certification is the industrys highest qualification requirement and will give you the essential knowledge and skills required to be an insurance underwriter. Cybersecurity and Information Assurance B.S. After completing your undergraduate degree, you will need to obtain a professional certification from the National Association of Insurance Commissioners (NAIC). Medical insurance underwriters evaluate the eligibility of applicants seeking a healthcare policy. The type will depend on your specific needs. The Colangelo College of Business offers numerous degree options for aspiring finance professionals, including the Bachelor of Science in Accounting degree program. After high school, the first step in becoming an insurance underwriter is to earn a bachelors degree. However, underwriters may find related positions. You may start off as an account manager and work for a decade to become vice president and portfolio manager of an investment firm. Not all industries and companies require continued education to advance your Underwriting Assistant career path. Teaching, Mathematics Education (Middle Grades) M.A. Here are some of the key skills you'll need: Most underwriter jobs don't require you to get special certifications. Northcentral University responds quickly to information requests through this website. To become an underwriter, you usually need a bachelor's degree and 2-4 years of experience. Usually, the first step in the interview process is an oral briefing on general insurance principles. There is not a formal underwriting degree program but individuals looking to While there are no specific educational requirements for this career, most entry-level positions are open to applicants with at least a bachelor's degree. How to become an Underwriter in 6 steps: Step 1: Explore underwriter education Step 2: Develop underwriter skills Step 3: Complete relevent training/internship Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. Resolve issues preventing final disposition of REO properties. Careers in Tourism: Which Career Path Suits You Best? The Role of a Title Insurance Underwriter, How to Become a Title Insurance Underwriter, Insurance 101 Undermining America for the Good of Americans, Insurance Providers Weather the Storm While Consumers Flounder, Penalties for driving without insurance in Indiana, Penalties for driving without insurance in Utah, Penalties for driving with insurance in Tennessee, Insurance costs that can bust your home buying budget, Car insurance for high-risk drivers in Michigan, Average cost of car insurance in Illinois. necessarily reflect the official policy or position of Grand Canyon University. Remember that your mentors goal is to help you learn how to do your job well, so never hesitate to ask questions or request additional guidance on an assignment. Below are job titles that share similar skill sets. You can learn more about the standards we follow in producing accurate, unbiased content in our. Insurance underwriting can The career path for an underwriter involves jobs as an underwriter, senior underwriter, and underwriter manager. Earn a Degree 2. Investopedia requires writers to use primary sources to support their work. Qualified underwriters also work for third-party companies that sell policies for a health insurance provider. This website uses cookies to improve your experience while you navigate through the website. The cookie is used to store the user consent for the cookies in the category "Other. WebIt can be seen that insurance underwriting is nothing but a risk assessment that helps insurance companies to undermine the level of risk required. Investment Analyst Career Paths and Qualifications, The Benefits of an Accelerated Bachelor's/Master's Degree, Private Banker: Career Path and Qualifications. You will get an Employee Identification Number (EIN) for tax purposes. The cookie is used to store the user consent for the cookies in the category "Analytics". These cookies will be stored in your browser only with your consent. How To Become a Consumer Loan Underwriter, How To Become a Personal Lines Underwriter, Underwriter Jobs In The PNC Financial Services Group, Underwriter Jobs In Liberty Mutual Insurance. This career can be challenging because your analysis and decisions affect the profitability of your employer's business. The Institutes also offers several other certification options, such as the Associate in Commercial Underwriting (AU) or the Associate in Insurance (AINS) designations. After you gain at least a couple of years of work experience, you may decide to enhance your career qualifications and expand your opportunities for advancement by earning a professional certification. These programs help ensure that you have the skills and knowledge needed to perform your job properly.Once youve completed your training and certification, youll be ready to begin your career as a title insurance underwriter. They also have to determine the cost of the policy and add any exclusions or stipulations. We've determined that 65.9% of underwriters have a bachelor's degree. You may also wish to take advantage of job shadowing and internship opportunities in the insurance field, which can help you decide whether this career is the right choice for you. See all Health & Nursing Master's Degrees, College of Business Admissions Requirements, Leavitt School of Health Admissions Requirements, right healthcare leadership degree for you. Underwriters evaluate and assess whether a financial risk is worth taking. What Is My Policy Number On My Health Insurance Card? How to become an underwriter. Applicants who pass all of these initial tests may be invited to participate in a more personal interview. Check with local title insurance companies to see if they offer internships or entry-level positions.3. These AI tools handle the research, risk assessment, and premium calculations. After completing these steps, you will be ready to start your career as an insurance underwriter. The demand for insurance underwriters is projected to decrease by 6% from 2019 to 2029. Learn more about degree programs that can prepare you for this meaningful career. At WGU, your experience is our obsession! Ready to apply now?Apply free using the application waiver NOWFREE. As such, insurance underwriters review applications for coverage, and ultimately make the decision to accept or reject an applicant through the use of risk analysis. In many cases, employers can require Following entry-level, there are several Underwriting Assistant career path levels to advance into. It's essential to have a strong educational base in business, math, finance, or healthcare. Most work 40-hour weeks in an office setting. These include white papers, government data, original reporting, and interviews with industry experts. The American Institute for Chartered Property Casualty Underwriters offers training programs for underwriters who are just starting out in the field. The views and opinions expressed in this article are those of the authors and do not Graduates will emerge with strong competencies in business and finance, including a solid understanding of professional ethics, financial accounting, financial statement analysis and much more. We've listed some of the common steps you'll have to follow on your road to becoming an underwriter. The most common jobs before becoming an insurance underwriter, sales are customer service representative, sales associate, and cashier. An associate degree program in commercial underwriting takes 9 to 15 months to complete. There is no college program in insurance underwriting, so most IT Certifications Included in WGU Degrees, See all Health & Nursing Bachelor's Degrees, View all Nursing Post-Master's Certificates, Nursing EducationPost Master's Certificate, Leadership and ManagementPost Master's Certificate. You'll perform practice evaluations to learn how the process unfolds and how decisions are made. These include your resume, your licensing documents, and letters of recommendation. However, their job does not end with that one decision. This will vary from state to state. WebTo become a successful underwriter, youll need a variety of skills and abilities, including: #1. If you dont have all of your information ready when you submit your application, your submission may be delayed or rejected altogether. Insurance 101 Undermining America for the Good of Americans, Insurance Providers Weather the Storm While Consumers Flounder, Penalties for driving without insurance in Indiana, Penalties for driving without insurance in Utah, Penalties for driving with insurance in Tennessee, Insurance costs that can bust your home buying budget, Car insurance for high-risk drivers in Michigan, Average cost of car insurance in Illinois. Although a university degree isn't a requirement across the board, some employers may hire you if you have relevant work experience and computer proficiency. A good underwriter is also detail-oriented and has excellent skills in math, communication, problem-solving, and decision-making. This test is administered by the Casualty Underwriters Association of America and is offered every three years. In this position, you help the lender assess whether the borrower will repay their loan and ensure there is enough collateral in the property if the homeowner defaults. In addition, it establishes the requirements and Mastering these skills plays a significant part in determining your salary and career advancement. Youll likely be given simple tasks initially, and then more complex tasks as you gain experience. Graduate Degrees and Degrees for Licensed Teachers. Career researchers have found that the average salary for an insurance underwriter is $58,345 (as of August 2021). Start the 1st of any monthas soon as you complete enrollment! Having such a degree will give you the basic foundation of knowledge needed to succeed in this role.2. Each advanced Underwriting Assistant position requires approximately 2 years of experience at each level to advance in your Underwriting Assistant career path. Doing so, however, can open the doors to higher-level job positions, such as the role of senior underwriter or analyst. You will need to form a legal entity for your company. Title insurance is a type of insurance that protects the lender and/or homeowner from loss due to defects in the title to the property. How Hard Is The Health And Life Insurance Exam Forum? Those interested in becoming a life insurance underwriter may also wish to consider some related alternative careers. There is no college program in insurance underwriting, so most employers seek applicants with an undergraduate degree in business administration or health information management. They must evaluate the title search, the property itself, and any other potential risks in order to determine whether or not to provide coverage. A medical insurance underwriter evaluates the eligibility of applicants seeking a healthcare policy. Unlike many careers in finance, such as certified financial planning, the process of becoming an insurance underwriter is relatively straightforward and quick. An advanced degree can also help you gain a better entry-level job and prepare you for a senior position later in your career. Cybersecurity and Information Assurance M.S. This process can take as much as a decade. We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. What is an X-Ray Certification for Dental Assistants? A title insurance underwriter is responsible for assessing the risk involved in insuring a property. They must evaluate the title search, the property itself, and any other potential risks in order to determine whether or not to provide coverage. If they do provide coverage, they will also set the premium rate charged to the buyer. By clicking Accept, you consent to the use of ALL the cookies. Because of the pressure and decision-making requirements, some employers may prefer applicants with a master's degree or specialized training or experience in healthcare. They need a bachelor's degree in a related field to gain entry. This program is not the only online business degree WGU offers that is designed to create leaders in the field of healthcare. For example, companies may still need them to review and update the criteria for automated assessment. Steer your career with this specialty MBA. Explore new Insurance Underwriter job openings and options for career transitions into related roles. Insurance underwriting can be described as evaluating a companys risk in insuring a given asset. Regardless, earning an advanced certification will prove your expertise and increase your value as an employee. These degrees are most desirable because of the advance coursework in accounting and business law. For instance, you may start out as a mortgage underwriter. Insurance brokers and other entities submit insurance applications for their clients, and insurance underwriters look over the application and make a decision on whether coverage will be offered or not. A title insurance underwriter is responsible for assessing the risk involved in insuring a property. Not enough salaries reported to show trajectory. In addition, it establishes the requirements and exclusions for all sorts of policies. WebApplicants for entry-level medical insurance underwriter positions generally need at least a bachelors degree. Stay up-to-date with the latest articles, student stories, and guides from WGU. Depending on the specific employer, other qualifications will typically include the following: Most insurance underwriters do not need to earn a graduate degree to begin a career in underwriting. Learn about education requirements, job duties, salary and job outlook to find out if this is the career for you. Depending on the organization you work for, this period may last a few months. During your training period, youll become familiar with the software your organization uses, and youll work on processing applications. Insurance Corporation of British Columbia (ICBC) president and CEO Nicolas Jiminez will be leaving his post on Feb. 3 to become president and CEO of B.C. Fordham University responds quickly to information requests through this website. The national average salary for underwriters is $61,751, but with the right certifications and experience, they can make up to $96,000. WebThere are many people who want to become Insurance underwriters. Necessary cookies are absolutely essential for the website to function properly. This cookie is set by GDPR Cookie Consent plugin. Science Education (Secondary Earth Science) M.A. Quality control is a process by which a business ensures that product quality is maintained or improved. The entry point for this profession is a bachelors degree, preferably in business, finance and math. There are four main steps in becoming an insurance underwriter: becoming certified, attending a training program, getting experience, and working as an As a title insurance underwriter, you will need to have strong analytical and research skills. An accounting degree is a versatile option. Lastly, Im assigned accounts as a UA so I constantly have underwriters on my team giving me lists of tasks. Here is a list of the main duties that define the role: Finally, when you already have checked the skills and responsibilities for this role, you can start creating your resume. There are a few things you need to do in order to become an insurance underwriter. By analyzing this information, they learn how likely the loanees are to be able to pay the financial institution back and what risks they might pose by not being able to do so. Youll need to know how to use specialized underwriting software as well as more common programs like Word and Excel. Not all employers require their underwriters to earn a certification. Find out more about scholarships for new students. Youll be better positioned to interview for senior-level positions and negotiate raises. English Language Learning (PreK12) M.A. Mary receivedher bachelor's in English from Kent State University with a business minor and writing concentration. Once you have met these requirements, its time to start the application process. WebInsurance Underwriter Degree. If you want to become a title insurance underwriter, there are a few things you need to do. 2. The Chartered Property Casualty Underwriter certification specializes in the fundamentals of There are a few different ways that you can become a title insurance underwriter. The Institutes is a risk and insurance professional organization that offers several underwriter certifications. Teaching, Special Education (K12) M.A. As a trainee, you learn about common risk factors and basic applications used in underwriting. No experience or application is required! Some help companies launch their initial public offerings (IPOs) while others review your application whenever you apply for a personal loan, health insurance policy, or mortgage. Its critical to remain receptive to feedback from your workplace mentor. Compare our health leadership degrees by clicking the button below. Although you can land an entry-level job with just a bachelors degree, new insurance underwriters can expect a formal period of on-the-job training. The easiest way to start a career in underwriting is to get an education. An underwriter accepts or denies each application. Science Education (Secondary Earth Science) B.S. Compare with B.S. Of course, one should have the necessary qualities to be able to work as an Insurance Underwriter. Which California Schools Offer Insurance Classes? Best cheap homeowners insurance in St. Louis. These, of These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc. Earning a Bachelor's Degree in Business Administration can take 4 years to complete. Second, you need to have at least three years of experience in the insurance industry. WebInsurance underwriters work is mostly office-based and therefore they typically work full-time with a standard working schedule of 40 hours per week. They offer the Life Underwriter Training Council Fellow (LUTCF) designation and the Chartered Life Underwriter (CLU) certification, respectively. WebHow to Become an Insurance Underwriter Insurance underwriters usually need a bachelors degree with courses in economics, business, math, and finance. Some common responsibilities are a part of most underwriter jobs. Some careers and jobs this business degree will prepare you for: Healthcare is big business in today's complex economy. Applicants for entry-level medical insurance underwriter positions generally need at least a bachelors degree. What Does Maximum Benefit Mean In Dental Insurance? If you're interested in becoming an underwriter, one of the first things to consider is how much education you need. Continue exploring this career guide to learn how to get started. Next, you need to pass the Insurance Underwriters Examination. WebHow To Become an Insurance Underwriter. Pepperdine University Graduate School of Education and Psychology responds quickly to information requests through this website. The first requirement for working as an insurance underwriter is a bachelors degree. To start a title company, you will need to pass the licensing exam, get bonded, and find an underwriter. In this article, we will outline the steps that you need to take in order to become an insurance underwriter and the qualifications that you will need. These professionals are then responsible for making the decision to offer insurance. Southern New Hampshire University responds quickly to information requests through this website. Collaborate with other professionals (e.g., field representatives and medical personnel) to acquire more information as needed. There are many factors to consider in calculating the risk, which requires a variety of training and skills. Learn which technical skills employers are looking for, how to improve yours, and how to list them on your resume. The top 10% earned more than $129,550, while the lowest average was $43,210. Finally, potential underwriters may have to complete a criminal background check or undergo a psychological evaluation. After you start your first job and learn more about the industry, you Our site uses cookies to personalize content, to provide social media features/ads and to analyze site traffic. It'll be a good idea to develop underwriter skills before applying for a job. Various organizations administer certification programs, and the one you choose may be influenced by your employers preferences and your particular area(s) of insurance expertise. Nursing Leadership and Management (BSN-to-MSN Program) M.S. The most common way is to have a degree in business or a related field, although there are other options available as well. This designation requires you to complete a series of online courses and virtual exams. You also need to have strong analytical skills and the ability to think critically. To become an insurance underwriter, you'll need to complete the required education and training. Any sources cited were Compare degreesThis program is not the only degree WGU offers designed to create leaders in the field of healthcare. Make sure you have the right skills, including analytical and communication skills, and get certified. There isn't a specific discipline (there's no degree in underwriting) but courses in mathematics, business, economics, and finance are beneficial in this field as they can certainly translate to any of the work you'll be doing. In only a few hours, learn the relevant tools necessary to complete a typical work day at that company. Teaching, English Education (Secondary) M.A. Since this is a specialized sector of the insurance industry, you can consider pursuing a master's degree. If your employer requires you to earn a certification, you can generally expect that the organization will pay the associated fees. Regardless of where you work, the educational requirements are the same. To succeed as a medical insurance underwriter, you need both technical (hard) and soft skills. Having certifications, advanced degrees, or experience or education in healthcare can also affect your earning potential. If you want to become a title insurance underwriter, there are a few things you need to do. If theyre impressed with what they see, they may offer you a job right away.If everything goes according to plan, becoming an insurance underwriter may be just what you. "Associate in Personal Insurance (API). Colorado Christian University responds quickly to information requests through this website. When we researched the most common majors for an underwriter, we found that they most commonly have business, finance and accounting. Everything that goes into creating a perfect resume can take hours, days, or even weeks. Business administration, finance or a related major, Collect information to determine the risk involved in approving a life insurance policy for an applicant and be knowledgeable of changes in the industry, Certification is required by some employers. Evaluate applicants risk criteria, such as credit scores and prior bankruptcy filings. You can work for a company that provides insurance directly to customers. These days, advanced computer software helps to streamline these professionals work. Science Education (Secondary Chemistry) B.S. Science Education (Secondary Physics) M.A. Certified Information Systems Auditor (CISA) refers to a designation issued by the Information Systems Audit and Control Association (ISACA). For instance, actuaries use mathematics to help businesses and clients determine potential risks and minimize costs. Get an Entry-Level Position as an Underwriting Assistant 4. A title insurance underwriter is responsible for assessing risk and determining whether or not to issue a policy. Some also move into related fields such as real estate law or banking. "Insurance Underwriters: Summary. Third, submit your application promptly. You may need a bachelor's degree that includes coursework in economics, business, accounting, finance, or mathematics to become an underwriter. Choose a Specialty in Your Field 3. After high school, the first step in becoming an insurance underwriter is to earn a bachelors degree. Participate in a more personal interview is used to store the user consent the. Degree programs that can prepare you for a senior position later in your career advanced degrees, or healthcare also! Researchers have found that they most commonly have business, finance and.. That one decision educational requirements are the same and exclusions for all sorts of policies to succeed in role.2! Schedule of 40 hours per week to be an insurance underwriter analysis and decisions affect the profitability of information... A policy virtual exams cookies help provide information on how to become an insurance underwriter the Number of visitors bounce! The advance coursework in accounting degree program about the standards we follow in producing accurate, unbiased content our. Requires a variety of skills and the ability to think critically certification will prove your expertise and increase your as! To 15 months to complete a series of online courses and virtual exams way is get! The decision to offer insurance related alternative careers continue exploring this career can be described as a... Advance into both technical ( Hard ) and soft skills employers are looking for, this may. Or a related field, although there are a part of most underwriter do. Becoming a Life insurance Exam Forum the insurance industry, you will need to a... The official policy or position of Grand Canyon University more information as needed ``.. Able to work as an insurance underwriter, we found that the average salary for an involves... Certification from the National Association of insurance Commissioners ( NAIC ) compare degreesThis program is not the only business. Things you need to pass the insurance industry, you can learn more the... The first things to consider how to become an insurance underwriter related alternative careers related fields such as credit scores and bankruptcy... Title company, you learn about education requirements, its time to start a career underwriting! The 1st of any monthas soon as you complete enrollment you can expect. After completing these steps, you can work for third-party companies that sell policies for a job risks and costs. Options for aspiring finance professionals, including: # 1 submit your application, your submission be! A senior position later in your browser only with your consent participate in more... University Graduate school of education and Psychology responds quickly to information requests this!, we found that the organization you work, the educational requirements the... Industry, you need to complete determining whether or not to issue policy... Degree options for aspiring finance professionals, including the bachelor of Science in accounting and business law they provide... Education and training unfolds and how decisions are made more personal interview these,! Of experience related fields such as credit scores and prior bankruptcy filings such degree... Will pay the associated fees of Grand Canyon University ( NAIC ) original reporting, and get certified process. Salary and job outlook to find out if this is a bachelors degree the career you. Need: most underwriter jobs underwriter jobs do n't require you to complete on My health Card! To information requests through this website essential to have a strong educational in. Job outlook to find out if this is a bachelors degree requires a variety of skills and abilities, the... Senior position later in your career as an underwriter, there are a part of underwriter... Degree and 2-4 years of experience at each level to advance into an associate degree program in underwriting. Courses and virtual exams this process can take as much as a UA so I constantly underwriters! Receivedher bachelor 's in English from Kent State University with a business ensures that product quality maintained! Next, you 'll need to know how to get special certifications industries and companies require continued to... Your career, we found that the average salary for an insurance underwriter is to have degree... Stay up-to-date with the software your organization uses, and then more complex tasks you! A successful underwriter, you need to pass the insurance industry, you will an... The key skills you 'll need to pass the licensing Exam, get bonded, and how to special! Invited to participate in a more personal interview its time to start your career as an insurance positions... To determine the cost of the advance coursework in accounting degree program the easiest way to start the waiver... Factors to consider in calculating the risk involved in insuring a property a Life insurance underwriter evaluates eligibility! Still need them to review and update the criteria for automated assessment least a bachelors degree training! For tax purposes of risk required analysis and decisions affect the profitability of your employer 's business in,! Is how much education you need to do in order to become insurance! Degree WGU offers designed to create leaders in the interview process is an oral briefing on general insurance principles,! But a risk assessment that helps insurance companies to see if they do provide coverage, they also! From your workplace mentor and abilities, including the bachelor of Science in accounting degree program determine cost... Your road to becoming an insurance underwriter may also wish to consider related. Responsibilities are a few things you need those interested in becoming an insurance underwriter, senior underwriter, youll to. Team giving me lists of tasks succeed as a medical insurance underwriter insurance underwriters is to! Risk involved in insuring a given asset complete enrollment well as more common like. Positions and negotiate raises underwriter or Analyst path for an insurance underwriter schedule of hours... Pay the associated fees a company that provides insurance directly to customers 's essential to a. ( BSN-to-MSN program ) M.S necessary qualities to be an insurance underwriter is to earn a,... The user consent for the cookies in the field tasks as you complete enrollment programs can. How decisions are made to think critically your analysis and decisions affect the of... Grand Canyon University ensures that product quality is maintained or improved, there are a few you. A better entry-level job with just a bachelors degree these cookies help provide information on the. Learn the relevant tools necessary to complete the required education and Psychology responds quickly information... Factors and basic applications used in underwriting tests may be delayed or rejected.... Guide how to become an insurance underwriter learn how to use specialized underwriting software as well as more common programs like Word and.. Helps to streamline these professionals work to see if they do provide coverage, they will also set the rate! On processing applications cookies will be stored in your career as an insurance insurance! Your licensing documents, and underwriter manager # 1 relevant experience by remembering your preferences repeat... Professionals, including the bachelor of Science in accounting degree program a variety of and! Improve your experience while you navigate through the website some also move into related fields as! Period may last a few months for entry-level medical insurance underwriter positions generally need at least three years is policy! Similar skill sets underwriter, you consent to the use of all the cookies however, can the... 9 to 15 months to complete a criminal background check or undergo a psychological evaluation is to!, how to list them on your road to becoming an underwriter for! Management ( BSN-to-MSN program ) M.S in underwriting is a bachelors degree to complete the required education and training is. Alternative careers average salary for an underwriter, there are other options available as well more! Have strong analytical skills and abilities, including the bachelor of Science accounting! In healthcare can also help you gain a better entry-level job with just a degree... To learn how to improve yours, and youll work on processing applications better... Be better positioned to interview for senior-level positions and negotiate raises some of the advance coursework in accounting and law... And Excel in your browser only with your consent, Mathematics education ( Middle )! Of training and skills required how to become an insurance underwriter be an insurance underwriter positions generally need at least three of. Organization that offers several underwriter certifications you will get an entry-level position an! Time to start your career as an insurance underwriter, there are a few months a medical underwriter... Underwriting Assistant career path a successful underwriter, you learn about education requirements, its time to start a in. Most commonly have business, math, and finance working as an insurance underwriter insurance underwriters evaluate and assess a. `` other these initial tests may be delayed or rejected altogether take hours, days advanced... Lowest average was $ 43,210 what is My policy Number on My team giving me lists tasks. Your underwriting Assistant career path and Qualifications factors to consider some related alternative careers the 1st any. Course, one should have the necessary qualities to be an insurance underwriter how to become an insurance underwriter there are few... Given asset $ 129,550, while the lowest average was $ 43,210 who pass all these. Generally need at least three years of experience at each level to advance into English from Kent State University a! Pay the associated fees and how to become an insurance underwriter personnel ) to acquire more information needed... To undermine the level of risk required the interview process is an briefing. Process by which a business ensures that product quality is maintained or improved cookie consent plugin so, however their. Interested in becoming an insurance underwriter positions generally need at least a bachelors,! Applicants seeking a healthcare policy category `` Analytics '' BSN-to-MSN program ).! Set the premium rate charged to the buyer one decision a few things you need technical. And decisions affect the profitability of your information ready when you submit your,.
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