Life Underwriting Consultant

Description

Location: The primary location for this position is remote.

20.00 Hours Per Week

Comments:

• We will not consider group underwriters, disability underwriters nor any underwriter that is not familiar with reviewing all underwriting requirements and complete medical records (not just summaries).

Position Summary

• The Senior Life Underwriter is accountable for managing assigned work, developing agency relationships, and ensuring customer satisfaction at the highest level.
• The position requires the individual to operate in a cross-functional team environment.

You are:

• The ideal candidate will be able to work autonomously and confidently make underwriting decisions that provide the best offer within their assigned approval authority and protect mortality.
• They will also be able to transform conceptual thinking into competitive decisions that align with company philosophy and department guidelines.

You have:

• 3-5 years of experience in individual life underwriting
• Bachelor’s degree
• Industry related education (ALU, CLU, LOMA, etc.)
• Knowledge of underwriting manuals, MIB (Medical Information Bureau) reporting, and various risk assessment vendor tools
• An aptitude for risk assessment, collaboration, and customer service
• The ability to think divergently.
• Knowledge of individual life insurance products/processes
• Analytical, Negotiation, Written and Oral communication skills.
• Exceptional decision-making skills and organizational and time management skills

You will:

• Recognize and obtain requirements necessary in evaluating risks, consistently using a comprehensive approach (a “broadened view” of the entire case to forecast all needs and requirements at onset)
• Evaluate medical, financial, and non-medical information, as developed, to determine the risk classification according to company guidelines.
• Collaborate with our reinsurers to negotiate and secure risk classification for business that may exceed our mortality standards, exceed our corporate retention, and/or for the benefit of securing a more competitive offer.
• Communicate with field partners and home office personnel for the purpose of acquiring necessary information, solving problems, negotiating appeals, and conveying decisions in a polite, confident, and professional manner.

Reporting Relationships

• As our Senior Life Underwriter, you will report to our Underwriting Manager, who reports to our Lead of Underwriting Operations.