Job Description
The Life Underwriter is responsible for screening life insurance applications for selection of risks rendering an issue standard, rate, or decline disposition with the guidance of an underwriter or written guidelines. The person will handle the implementation of underwriting policies and procedures related to the processing of new business and underwriting processes as related to other department processes. All duties require identification of medical terminology, identification of prescription medications, use of the Swiss Re Underwriting manual, and evaluation of MIB, phone calls, motor vehicle records, lab results, paramedical exams, and medical records.
Primary Duties & Responsibilities:
· Responsible for screening life insurance applications including trial applications for selection of risks rendering either an issue standard, rate, or reject disposition with the guidance of an underwriter or written guidelines
· Implementation of underwriting policies and procedures related to the processing of new business and other department processes
· Implementation of medical guidelines using the Swiss Re Underwriting manual and company notes
· MIB code reporting and interpretation of MIB code data
· Review and evaluate results of oral saliva tests
· Review and evaluate results of agent verification calls and other underwriting phone calls
· Review and evaluate motor vehicle records (MVRs)
· Review and evaluate prescription (Rx) histories to determine associated health conditions
· Review, summarize, and evaluate medical records (APSs)
· Review and evaluate paramedical exams and lab results
· Respond to customer service inquiries regarding dispositions
· Evaluate health information received with add-ons, modifications, and reinstatements
· Assist with other underwriting areas as deemed necessary by department management
Company Description
Our actions today have a lasting impact on tomorrow. Therefore, we aim to inspire everyone in our network to help Make Tomorrow Better.
At AO Globe Life, everything we do revolves around helping Make Tomorrow Better. We empower our customers to Make Tomorrow Better by offering products that help secure their financial future and protect them when tragedy strikes. We offer sales agents the opportunity to Make Tomorrow Better by protecting more lives and, in doing so, leaving a legacy. We give our employees the chance to Make Tomorrow Better by giving back, supporting initiatives with a service-first mindset, and promoting from within.Our actions today have a lasting impact on tomorrow. Therefore, we aim to inspire everyone in our network to help Make Tomorrow Better.\r\n\r\nAt AO Globe Life, everything we do revolves around helping Make Tomorrow Better. We empower our customers to Make Tomorrow Better by offering products that help secure their financial future and protect them when tragedy strikes. We offer sales agents the opportunity to Make Tomorrow Better by protecting more lives and, in doing so, leaving a legacy. We give our employees the chance to Make Tomorrow Better by giving back, supporting initiatives with a service-first mindset, and promoting from within.
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