Appraises and underwrites new and existing business for the Life Insurance Program and other opportunities as they arise. Assesses mortality risk with company guidelines to assure equitable treatment of applicants and meet the company’s financial objectives.
Daily review, analysis and final disposition, within medical and non-medical guidelines set for the issuance of contracts, of referred and assigned Enrollments, Reinstatements, Riders, Upgrades, Live Rescissions, etc.
Approves, classifies and declines on own signature. May conduct medically focused telephone interviews with applicants. This includes the use of scripted impairment questionnaires and documentation of responses. The Underwriter, however, must be well versed in a wide variety of medical impairments, treatments and medication. The candidate must often go outside the script to execute proper risk management. Reviews, analyzes and takes action on prior enrollment forms as needed. Action may include client correspondence, mail list removal and/or live rescission recommendation. -Utilizes Underwriting Queue. -Medical record review as needed. -Composes applicant/client correspondence such as declinations and appeal response.
Bachelor’s degree preferred and 1-4 years of relevant experience.