A Life Underwriter is hired to analyze risk in insurance proposals, and determine policy terms, and calculate premiums based on statistical and actuarial, and background information. A well-drafted Life Underwriter Resume mentions the following core duties and responsibilities – examining insurance proposals, collecting background information and assessments of risk, writing quotes and negotiating the terms with brokers and clients; determining premiums; preparing insurance policy terms and conditions, liaising with insurance brokers and customers, and deciding the wording of policies.
The most sought-after skills for the post include the following – high analytical skills, good math and statistics skills, attention to detail; verbal and written communication skills; IT skills, good judgment skills, and negotiation skills. Other crucial traits are – strong assessing knowledge, and the ability to convince people easily. A degree is commonplace among job applicants.
Evaluated applications for Life Insurance to determine risk-based medical history, occupational hazards, financial factors, insurable interest, and other information pertinent to the individual's risk assessment.
Interacted with representatives to gather information, explain decisions, provide an appropriate course of action Work with other Departments to help ensure efficient service for customers.
Helped achieve departmental goals and service standards.
Consulted with medical experts and higher underwriting authorities to maintain effective and rapid service.
Continued to improve skills and knowledge to help risk assessment, medical concepts, and customer service.
Assisted less experienced underwriters with guidance.
Experience
2-5 Years
Level
Junior
Education
BS In Business Administration
Life Underwriter Resume
Summary : Public Affairs Officer with extensive experience in media relations, writing, and editing. Solid background in writing and editing, focusing on news releases, media advisories, press kits, and features. Experienced liaison between all civilian media outlets and state-level public affairs offices. Adept at organizing press conferences and key leader briefs pertaining to major news events.
Reviewed applications for insurance, analyze risks, and decide whether the company will offer coverage based on potential policy holders' mortality and lifestyle.
Approved applications in a manner that the insurance company can collect premiums based on the clients' medical history and mortality.
Assessed premiums based on detailed medical records, medical tests, and lab result in a manner that allowed insurance coverage for our clients but also placed the insurance company in a position to remain profitable.
Obtained the level of the senior underwriter, which allowed to underwrite higher coverage applications and group coverage.
Responsible for training newly hired underwriters and traveled to different states within the territory to brief agents on new underwriting procedures and guidelines.
Selected by corporate offices to assist in the re-writing of the in-house underwriting manuals.
Used was written and oral communication skills to provide an understanding of the producer's questions or problems, strong ability to explain adverse decisions, as well as attempt to work out equitable solutions.
Experience
10+ Years
Level
Senior
Education
BA In Liberal Arts
Life Underwriter Resume
Summary : A top-performing, global-minded insurance professional, with international experience as a prudent underwriter and technical support personnel with a solid background encompassing in Life and Health Insurance business. A dynamic self-driven, result-oriented personality who occupies strong analytical skills, attention to detail, is proactive, puts the customer in the center of all acts, and communicates effectively at all times.
Skills : Insurance, Requirement Elicitation, Business Analysis, UML, BPMN, Used Cases, System Analysis, Insurance IT Analysis, SDLC, Project Management, Estimation, Scrum, Agile, Underwriting, Data Analysis, Life Sciences, Pharmaceutical, Pharmacology.
Description :
Scrutinized, understood and interpreted medical conditions, impairments, and the financial and legal aspects of risk selection and other factors pertaining to acceptability and assessment of Life insurance applications.
Underwriting - risk assessment and management with the prior approval authority limit of $ - MIB Coding (Medical Information Bureau) as per the rules and procedures.
Ensured appropriate risk placements (Swiss Re and Munich Re).
Ensured effective regulatory controls and compliance procedures are implemented and followed.
Ensured reporting implications are appropriately considered and downstream impacts are identified.
Monitored project progress by tracking activity and problem-solving.
Communicated with advisors, intermediaries, clinics, labs, and other authorities on a day-to-day basis for an efficient business flow.
Experience
10+ Years
Level
Senior
Education
Charted Insurance
Life Underwriter Resume
Headline : Meticulous Insurance Underwriter compiles data and analyzes various resources for risk management when issuing policies. Proven experience in both commercial insurance and individual insurance underwriting. Detail-oriented when examining documents and making recommendations. Applies demonstrated oral and written communication skills when servicing accounts to retain clients.
Skills : Medical Terminology, Anatomy, Life Office Management, and Health Insurance Association Classes, Customer Service Applications.
Description :
Assessed the risk of Life application - Term and Whole Life.
Ordered and Review personal history interviews.
Ordered additional requirements.
Consulted with medical on complex cases.
Assisted team members in case reviews.
Helped maintain team and corporate goals.
Underwrote life applications for the group, review completed applications' health details to determine if approve, reject, or if medical records or para-medical required based on underwriting guidelines.
Experience
5-7 Years
Level
Junior
Education
Associate In Business/Medical Office Mid
Life Underwriter Resume
Objective : Experienced health insurance underwriter in a small group, individual, large group, life, and disability, customer service skills, computer experience with different underwriting systems, independent, self-motivated, and team-oriented. Received awards for outstanding performance in underwriting and sales, and assisted in special projects.
Skills : Microsoft Office, Excel, Database, Data Entry, Different Membership, Claims, And Underwriting Systems.
Description :
Personal and business applications for individual life policies to include complete medical and financial underwriting.
Team-oriented work goals.
Personal and business applicants considered up to one million in face amount.
Interpreted of EKG and MIB coding was also utilized.
Remote and office position.
Determined risk based on physical and other investigations.
Reported to the Underwriting Lead.
Experience
0-2 Years
Level
Entry Level
Education
Agents Licensing Life, Health, And Anulities
Life Underwriter Resume
Objective : Seeking a challenging underwriting position where the opportunity for underwriting growth and development would be provided based on underwriting experience, results, and educational endeavors.
Skills : Customer Service, Writting Skills.
Description :
Experienced in estate and financial planning.
Evaluated life insurance applications using financial and medical information.
Assessed risk of life applications, conversing with agents and applicants regarding decisions made on risk.
Provided preliminary risk assessments for a new business that agent force is wanting to potentially add to their book of business.
Set rates for members of Saving Banks Life Insurance.
Identified process improvements to gain efficiencies in automated and manual underwriting.
Assisted with audit case reviews to ensure underwriting accuracy and quality.
Experience
2-5 Years
Level
Junior
Education
Graduate Diploma
Life Underwriter Resume
Headline : Life Underwriter is responsible for the financial health of a company, and its employees. Generate revenue from insurance claims using the company’s own insurance products and third party coverage.
Skills : Process Development, Conflict Resolution, Negotiation Skills Complex Problem Resolution.
Description :
Market handling the advanced financial case underwriting and the more complex medical risk assessments.
Formal trainee program completed, and life underwriter in the captive agent market.
Reviewed life applications on a daily basis.
Assessed were the risk of blood, urine and vitals, and medical records.
Called the agent/agent's staff with the decision on the table rating and if an excepts could be made.
Analyzed information from multiple sources in risk assessment for insurance contracts, ensuring compliance with government guidelines, involving.
Collaborated with our external underwriters and continue to build into the strength of that relationship.
Experience
5-7 Years
Level
Executive
Education
Graduate Diploma
Life Underwriter Resume
Headline : Life Underwriter is responsible for the ongoing management of all aspects of a life insurance business. Identifying new markets, product and service development, and marketing opportunities.
Reviewed of prior files, medical records reviewed and rated based on underwriting manual.
Applied smoker or nonsmoker rates along with health issues and according to guidelines accept or reject.
Ensured the deliverance of exceptional and courteous customer service at all times while maintaining technical standards and guidelines.
Ability to attain and maintain the confidence of internal and external customers.
Supervised seven employees.
Managed the Underwriting Department.
Updated rate book and marketing brochures.
Experience
5-7 Years
Level
Executive
Education
Graduate Diploma
Life Underwriter Resume
Headline : Life Underwriter is responsible for the overall underwriting process of a life insurance policy. This includes performing underwriting, claims, and account management. The Life Underwriter also has the responsibility of managing all of the documentation and transactions associated with the policy.
Skills : Operations Analysis, Planning Skills.
Description :
Underwrote life insurance applications with authority limit.
Daily communicated with field partners regarding underwriting decisions.
Performed risk appraisal for life insurance applications, which includes analysis of the following: doctor reports, blood profiles, urinalysis.
Had underwriting authority for $500K and up to $950K with a second sign from Chief Underwriter.
Production down so not needed at the present.
Handled VUL, VAL, Whole Life, and Term Products.
Worked closely with the Customer Experience and Compliance teams to answer underwriting-related questions and share underwriting knowledge.
Experience
5-7 Years
Level
Executive
Education
Graduate Diploma
Life Underwriter Resume
Headline : Life Underwriter is responsible for the administration of all aspects of life insurance underwriting and customer service.
Skills : Communication, Multilingual, Team Player.
Description :
Consisted of six months of training under a full-time underwriter and working with the medical department.
Offered financial advice to clients for compensations; Underwriting life insurance.
Managed individual life and investment portfolios.
Reviewed applications to assess the proper rating of medical issues for life and health insurance.
Involved in underwriting new / lapsed applications and analyzing/assessing risks involved in individuals; decide acceptance.
Verified proof of identity and residence to companies before finalizing a cover.
Ensured delivery within TAT for medical & non-medical cases.
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