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The Underwriter determines appropriate risk classification for policies based on collection of data, detailed research, and sound judgment using company underwriting criteria and philosophy. The Underwriter reviews cases and determines necessary medical, non-medical, and compliance requirements. This individual provides information about the underwriting process to producers and customers and assists in the review of contestable claims, foreign death claims, and non-natural deaths for Accidental Death Benefit Claims.
Reviews insurance reinstatement/reissue applications and documentation to evaluate the eligibility of each applicant in accordance with company guidelines and standards. Determines necessary medical, non-medical, and some regulatory and compliance requirements. Escalates applications to Compliance when further review or referral is necessary.
Determines appropriate risk classification based on detailed research, collection of data, and sound judgment using underwriting criteria and philosophy. Makes sound risk selections to protect the company and satisfy customer expectations.
Assesses the need for additional information or for referral to a Sr Underwriter for opinion or recommendation.
Advises the producer, agent, or customers about the rationale for underwriting decisions, including adverse ones.
Assists the producer or agent when there is a request or need for information relating to any aspect of the underwriting process.
Assists customers, producers, and internal associates with complex underwriting service issues.
Has approval authority for $250,000 Standard through $2.5 million all rates.
Participates in review of contestable claims to identify underwriting process improvements and consult on the overall outcome of the claim.
Participates in the investigation of complex life and annuity claims and compiles records to make sound settlement decisions.
Reviews foreign death claims to determine good order and the business’s ability to settle the claim.
Reviews life claims where the manner of death is anything other than natural for determination of Accidental Death Benefit proceeds payable.
Reviews and decides qualification for payment under Claims Living Benefits.
Performs basic clerical duties required to support the underwriting process.
Performs project and committee work as assigned.
Interprets normal electrocardiograms (ECG/EKG).
Identifies and orchestrates updates to the Life Underwriting Guide.
Performs other duties and/or projects as assigned.
Strong verbal and written communication skills.
Intermediate knowledge of underwriting risk assessment, research, medical terminology, and treatments.
Demonstrated ability to exercise good judgment in the application of underwriting techniques.
Ability to communicate underwriting decisions clearly and concisely.
Strong product knowledge.
Solid analytical and problem-solving skills.
Solid organization and prioritization skills.
Ability to work well under pressure.
Strong customer service skills.
Proficient in Microsoft Office applications and other relevant department software.
Ability to work independently and as part of a team.
Bachelor's Degree required.
3+ years of life underwriting experience required.
Jackson is proud to be an equal opportunity workplace. The Company subscribes to and endorses federal and state laws and regulations relating to equal employment opportunity for all persons without regard to race, color, religion, gender, age, national origin, legally-recognized disability, marital status, legally-protected medical condition, citizenship, ancestry, height, weight, sexual orientation, veteran status, or any other factor not related to the needs of the job. The Company is committed to a policy of equal opportunity. Company facilities and campuses are tobacco-free environments.