| Appraise medical risks for life insurance application |
o Using factors such as age, occupation, medical history, financial standing and other relevant conditions that determine insurability
o Appraise level of risk involved in applications with adverse medical findings and where medical opinion or decision is necessary for acceptance/rejection of insurance coverage
o Evaluate medical condition and analyze the test results of the applicants
o Underwrite new and existing business.
Recommend, accept, reject insurance coverage within limits set in the underwriting policy
o Handle routine and non-routine and renewal cases
Refer difficult cases to superiors
o Check policy documents
o Deal with some non-standard proposals directly
o Conduct audits on underwriting files to ensure standards are met.
o Ensure underwriting decisions are communication to Agency and customers in a timely and effective manner