Underwriting Consultant - Life Underwriting - Remote
Core
Assess complex mortality risks and review individual life insurance applications to determine acceptance, rejection, or modification based on medical, financial, and insurable interest factors.
Role type
Life underwriting consultant
Builds
Life insurance policies for individual customers
Domain
Insurance / Life underwriting
Required skills
Mortality risk assessment, medical history evaluation, financial background analysis, underwriting authority management, adverse decision communication, inter-departmental collaboration, negotiation, insurance medicine knowledge, life insurance contract law expertise, product offerings mastery
Preferred skills
College degree
Technologies
None stated
Responsibilities
Review individual life insurance applications and underwrite standard and substandard risks within authorized limits; Determine whether to accept, reject or modify life insurance risks by evaluation of applicant's medical history, financial background, insurable interest and financial need; Conferring with other Consultant-level Underwriters and up, Medical Director, Director of Indv Underwriting and/or Chief Underwriter on complex cases and situations not established by practice; Obtain second signature on cases that exceed designated underwriting authority; Meet established time service standards; Serve as a role model for other underwriters by establishing themselves as underwriting experts and as a "go to" person for underwriting issues; Designee to handle high-visibility/high face amount or otherwise special cases; Communicate effectively with agents/producers to explain adverse underwriting decisions, while maintaining agency relationship and encouraging future business; Actively seek out/identify resources and projects to improve underwriting staff, and improve understanding of business line within the company and industry; Represent the underwriting function in inter-departmental meetings/projects; Represent Symetra at external functions as appropriate.