highly analytical and detail-oriented Medical Underwriter
to join our team. This is a critical role responsible for evaluating complex medical and non-medical data to
assess risk
and determine appropriate insurance decisions. You will directly impact our business by setting the
eligibility, coverage amount, and premium rates
for applicants, ensuring decisions are fair, accurate, and compliant.
This is a full-time, permanent, and exclusively in-person position.
Key Responsibilities
Application Review:
Thoroughly evaluate insurance applications, detailed medical reports, health records, and diagnostic tests.
Risk Assessment:
Quantify the degree of medical risk associated with applicants to determine their insurability.
Decision Making:
Classify applications and recommend
approval, modification (e.g., rate-up), or decline
based on established underwriting guidelines.
Communication & Liaison:
Liaise professionally with
medical professionals, agents, and internal departments
to acquire necessary supplemental information.
Compliance & Accuracy:
Ensure all underwriting decisions comply with company policies, legal regulations, and risk management principles.
Record Keeping:
Maintain detailed, accurate underwriting records and documentation.
Continuous Improvement:
Stay current on medical and insurance industry developments to improve processes and risk assessment tools.
Qualifications & Skills
Education
Bachelor's degree
in Life Sciences, Medicine, Nursing, or a related analytical field.
Preferred:Professional Certification in underwriting or insurance (LOMA, ALU, etc.).
Experience
Proven experience
in life or health insurance underwriting is required.
Preferred:
1-3 years of dedicated experience in medical underwriting.
Strong understanding of
risk assessment principles, policy terms, and claims processes.
Core Skills
Exceptional
analytical and decision-making skills.
High standard for
attention to detail and data accuracy.
Excellent communication, documentation, and interpersonal skills.
Proficiency in
MS Office Suite
and experience with insurance software tools.
Job Details & Benefits
DetailDescriptionJob Type
Full-time, Permanent
Job Type: Full-time
Work Location: In person
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