Underwriter
Core
Assess complex life insurance applications involving medical, occupational, financial, and travel data to ensure adherence to underwriting guidelines and mitigate risk.
Role type
Senior Life Insurance Underwriter
Builds
Disability, Critical Illness, Income Protection, Business Cover, and Group Risk policies
Domain
Life Insurance / Health & Risk
Deliverable
production ML models | product features | dashboards & analysis | research | client delivery | infrastructure | physical/clinical work
Required skills
Medical risk assessment, Financial underwriting, Occupational risk analysis, Reinsurance treaty compliance, Case study development, Coaching and mentorship, Regulatory adherence, Documentation accuracy, Risk escalation, Product knowledge
Preferred skills
Tele-underwriting, Interpretation of medical reports, Process improvement, Problem solving
Technologies
Underwriting systems and tools
Responsibilities
Conduct tele-interviews and tele-underwriting for complex cases; Manage medical, occupation, and financial underwriting for various risk categories; Ensure case placement according to reinsurance treaties; Liaise with planners on special terms and presales; Resolve high-priority underwriting enquiries; Participate in Chief Medical Officer sessions and training; Approve and countersign cases above acceptance limits; Provide coaching to junior staff; Identify and escalate risk exposures; Assess applications rejected by online engines.
Seniority
Senior, hands-on IC with mentorship responsibilities