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Senior Individual Disability Income Underwriter Job

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Senior Individual Disability Income Underwriter
Position# 2782
Location:  Remote with required visit to home office quarterly.
Education Requirements:  Bachelor’s degree in business or equivalent in related field.
Other Requirements:  Include:

  • Insurance classes working towards FLMI affiliation.
  • 8+ years of experience in Individual Disability Income underwriting.
  • Professional oral and written communication skills.
  • Decision-making ability.
  • Word processing and spreadsheet software proficiency.
  • Ability to interact effectively and professionally with others.
  • Talents in; values, resourceful, work intensity, persuasion, achiever, command, positivity, relationship-extension, relationship, exactness.
  • Can assume job responsibilities and perform independently.
  • Willingness to work over 40-hour week when needed.

Salary Range:  $58k to $72k
Description:  Our Client, a highly rated AM Best Life Insurance Company, provides life insurance, disability and critical illness insurance, and voluntary employee benefits through independent brokers nationwide.  It has assets of $2.5+ billion.  Under supervision of the Director, Underwriting Candidate underwrites individual disability products, communicates with agents regarding new individual disability applications and potential cases, and performs other functions.  Duties and responsibilities include:

  • 65% Underwrites individual disability products, which includes:
    • Determining risk classification according to medical, financial, occupational and avocational hazards.
    • Determining product eligibility based on product guidelines.
    • Ordering and reviewing underwriting requirements, as needed.
    • Determining standard/substandard risks and eligibility.
    • Complying with IMSA and government regulations regarding replacements, anti-discrimination laws, confidentiality laws, HIV laws and MIB requirements.
    • Reviewing substandard, declines, or postponed applications with the Medical Director, Life Underwriting Manager, and Director of Life Underwriting.
    • Reviewing files for other underwriters, providing advice on problem cases and co-signatures on ratings and declines.
  • 25% Communicates with agents, policyholders, reinsurance companies, and applicants regarding underwriting action and guidelines, which includes:
    • Providing underwriting information over the phone.
    • Preparing written correspondence to Field Force, reinsurance companies, and applicants.
    • Advising agents regarding potential cases.
    • Reviewing and preparing illustrations.
    • Meeting with producers.
  • 10% Performs other functions, which includes:
    • Working on special projects.
    • Assisting in training of Underwriting Assistant
    • Participating on committees, teams and task forces.
    • Providing product information to other divisions.
    • Keeping up-to-date with company and industry changes.

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