Farzana Krämer is an experienced Underwriter in the LH-ELM Claims Underwriting – Biometrical Evaluation Services division, based in Cologne. She holds a degree in Insurance Management and has more than 20 years of professional experience in the insurance industry. In her current role, she is responsible for comprehensive risk assessment and underwriting of medical, financial, and special risks. Her scope of responsibility covers the German and international markets.