Life Underwriter Resume Sample

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Work Experience


Senior Life Underwriter
02/2016 - PRESENT
Detroit, MI
  • The incumbent makes appropriate risk decisions to the satisfaction of both the customer and the company
  • Relationship management with the field, Guardian business associates and other external customers
  • Evaluate, interpret, affect, classify, bind and act on individual applications and benefits
  • Given authority to approve all individual life application products and benefits, within the authority limits of the position, as assigned by the supervisor (up to $1,000,00)
  • Provides technical assistance to internal and external customers regarding coverage interpretations, policy and endorsement provisions, and underwriting acceptability for Life Insurance coverage
  • Proactively provides agent's with key Underwriting knowledge of individual insurance concepts
  • Effectively communicates decisions and resolves agent and customer concerns promptly
  • Includes effective communication through phone calls and email to gather and analyze necessary information critical to the underwriting process
Life Underwriter
07/2009 - 01/2016
Houston, TX
  • Update underwriting files with clear and concise documentation reflecting thought process to support recommended final action
  • Gain an understanding of compliance and regulatory landscape within the scope of underwriting
  • Appropriately refer complex, difficult or substandard risks to underwriting management / trainer with suitable recommendation of act ion
  • Training on risk assessment Develop close collaboration and business relationships with internal and external customers, including agents and clients
  • Report appropriate information to the MIB, Inc. (pull language from original job description) Maintain confidentiality of underwriting information in accordance with established procedures and Federal and State regulations
  • Corresponds with applicant’s physician and attorneys as needed
  • Reviews applications and financial requirements to determine acceptability of risk in accordance with CNA’s guidelines and standards
Junior Life Underwriter
02/2007 - 06/2009
Chicago, IL
  • Refers applications over assigned approval limit, with recommendation for review and final action, to the Underwriting Management for co-sign
  • Evaluates and classifies rate reconsideration, reinstatements, and other policy changes requiring underwriting approval
  • Exceptional decision-making and time management skills
  • Continuously strives to provide superior customer service
  • Expresses oneself in an open and honest manner
  • Demonstrates self-awareness and embraces feedback
  • Research and assess life expectancy for life insurance applicants; Research medical and non-medical factors using appropriate resource material for new applications or existing policies
  • With guidance and consultation from underwriting management, evaluate, classify and approve individual applications and benefits within approval limit

Education


Eastern University
2002 - 2007
Bachelor's Degree in Business

Professional Skills


  • Responsible for profitable growth of the Farmers Life insurance business through proper selection, classification and pricing of risks within assigned territory/industry
  • Independently evaluates individual applications and benefits requiring a high level of knowledge both medical and non-medical, using appropriate guidelines to ensure rate classification is in line with corporate underwriting philosophy
  • Excellent verbal & written communication skills; Strong attention to detail and accuracy
  • Strong communication skills with agents and applicants; provides technical underwriting expertise within the company and to the agency force
  • Excellent English writing and communications skills
  • Demonstrated professional experience as a Life Underwriter, at least 3 years’ experience
  • Experience: 1-5 years of full authority life underwriting experience

How to write Life Underwriter Resume

Life Underwriter role is responsible for insurance, reporting, training, travel, health, english, communications, underwriting, landscape, benefits.
To write great resume for life underwriter job, your resume must include:

  • Your contact information
  • Work experience
  • Education
  • Skill listing

Contact Information For Life Underwriter Resume

The section contact information is important in your life underwriter resume. The recruiter has to be able to contact you ASAP if they like to offer you the job. This is why you need to provide your:

  • First and last name
  • Email
  • Telephone number

Work Experience in Your Life Underwriter Resume

The section work experience is an essential part of your life underwriter resume. It’s the one thing the recruiter really cares about and pays the most attention to.
This section, however, is not just a list of your previous life underwriter responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular life underwriter position you're applying to. The work experience section should be the detailed summary of your latest 3 or 4 positions. Representative Life Underwriter resume experience can include:

  • Proven analytical and decision-making skills
  • Communicate effectively with agent and customers
  • Effectively partners with co-workers and agents to create a high performance organization
  • Mentoring/development of less experienced underwriters
  • Customer Service Focus – Demonstrate a focus on listening to and understanding customer needs by exceeding service and quality expectations
  • Experience Underwriting complex cases, including Financial Underwriting

Education on a Life Underwriter Resume

Make sure to make education a priority on your life underwriter resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your life underwriter experience. For example, if you have a Ph.D in Neuroscience and a Master's in the same sphere, just list your Ph.D. Besides the doctorate, Master’s degrees go next, followed by Bachelor’s and finally, Associate’s degree.

Additional details to include:

  • School you graduated from
  • Major/ minor
  • Year of graduation
  • Location of school
These are the four additional pieces of information you should mention when listing your education on your resume.

Professional Skills in Life Underwriter Resume

When listing skills on your life underwriter resume, remember always to be honest about your level of ability. Include the Skills section after experience. Present the most important skills in your resume, there's a list of typical life underwriter skills:

  • Establishes collaborative relationships with Agencies to understand the external marketplace and underwrites within established performance standards and priorities that are responsive to marketing, underwriting, retention and service goals
  • Operates effectively in an environment of deadlines and high workloads
  • Experience: 3+ years of full authority life underwriting experience
  • Demonstrated skill in AWD or similar system, and MS Office
  • Effectively interact with Distribution partners
  • Strong comfort level and experience with Technology and Innovation

List of Typical Experience For a Life Underwriter Resume

1

Experience For Senior Life Underwriter Resume

  • Determine whether to accept, adjust, or decline applicants for insurance through evaluation of an individual's medical history, occupational hazards, financial stability, insurable interest, and other information relevant to the risk
  • Adhere to production, quality and service standards
  • Communicate regularly in both written and verbal form with policy owners, applicants, managers, and agents in all aspects of underwriting procedures and decisions
  • Work in a high volume, fast paced environment with the skill to drive for results
  • Display initiative in daily assignments with minimal direction to be productive
  • Thorough knowledge of life insurance products
2

Experience For Life Underwriter Remote Opportunity Resume

  • Oversees caseload to achieve established objectives
  • Thorough knowledge of life and/or health products
  • Proficiency in underwriting all life and/or health products, thorough knowledge of regulatory and policy differences among states in which business is transacted
  • Actively working toward professional designation(s)
  • Type 25-30 wpm

List of Typical Skills For a Life Underwriter Resume

1

Skills For Senior Life Underwriter Resume

  • Contributes to the building and maintaining of strong relationships within the organization
  • Underwriting experience
  • Individual life underwriting experience
  • Customer service or underwriting experience in a similar role
2

Skills For Life Underwriter Remote Opportunity Resume

  • Knowledge of life underwriting principles and techniques to operate under signature limit of $ 3mm to 5mm
  • Handle and prioritize multiple tasks and deadlines; make independent decisions
  • Accept accountability to ensure effective risk selection
  • Life and Long Term Care/Home Health Care insurance experience
  • Life and/or health experience
3

Skills For Senior Group Life & Disability Underwriter Resume

  • Experience in a production oriented environment
  • Interacting with agents/client, responding to inquiries and requests
  • Ensuring turnaround times are met for case processing
  • Providing underwriting opinions for live revisions and death claims
  • Assisting with vendor reporting requirements and audits
  • Aiding on projects with Pricing, Product, Sales, New Business Operations & Data Analytics in order to achieve company goals of profit and growth
  • Underwriting authority limit up to $2M after release from training
  • Assessing personal, medical, and financial risk on applications
4

Skills For Senior Underwriter, Life Resume

  • Evaluating new business change requests
  • Processing sensitive lab findings in accordance with regulatory procedures
  • Working medical knowledge (i.e., medical terminology, anatomy & physiology, medical conditions)
  • Underwriting authority limit up to $3M
  • Underwriting Risk Management
  • Able to assist with underwriting test plans and conduct system testing on underwriting engine enhancements
  • Complete wing-to-wing underwriting decision
  • Work with outsourced underwriting firm(s) and vendors for underwriting requirements
5

Skills For Individual Life Underwriter Resume

  • Able to analyze underwriting data and make recommendations to underwriting guidelines
  • Able to monitor underwriting reporting tools
  • Handle Underwriting calls and agent training issues
  • Evaluates Life business for risk acceptability - matching price to risk exposure to profitability
  • This Includes significant self-study and training of prescribed course material as well as actual case work
  • Learns how to evaluate individual Life applications and benefits, including how to Underwriter medical, non-medical and other product information
6

Skills For Junior Life Underwriter Resume

  • Uses appropriate guidelines to ensure rate classification is in line with corporate underwriting philosophy and risk profile
  • Communicates with agents and applicants and consults with underwriting management and medical directors as needed
  • Provide training and guidance to other life underwriters
  • Review cases exceeding underwriter’s review level
  • Education: FLMI, FALU, LTCP, or CLU courses completed for designation or being actively pursued
7

Skills For AIG Life Uk-underwriter Resume

  • Proficiency in underwriting all life products, thorough knowledge of regulatory and policy differences among states in which business is transacted
  • Knowledge of underwriting regulatory differences by state
  • A team player, resourceful, proactive, innovative and willing to pitch in where needed
  • Understand compliance and regulatory landscape within the scope of underwriting
  • Technical expertise in Life Insurance risk selection and pricing. Ability to read and interpret policy contract language
8

Skills For Life Sciences Underwriter Resume

  • Complete processes for errors, pending and withdrawn applications
  • Analyze new business and underwriting reports
  • Proficient in Microsoft Word, Excel, Outlook, and general working knowledge of Internet for business use. Ability to learn new computer systems
  • Exhibit understanding of the impact that the role of an underwriter has on the successes of the team and organization
  • Responsible for the risk decision of new and existing business of all life policies within delegated authority levels and company guidelines
  • Maintains an awareness of changing practices and regulations
  • Understand illustration elements and associated risk
9

Skills For Remote Senior Life Underwriter Resume

  • Continue to acquire knowledge of products and various state regulations. Continue professional development activities and coursework
  • Up to 10 x salary Death in Service benefit and income protection
  • Interact successfully with a diverse range of international individuals at all levels
  • Develop strong collaboration and business relationships with internal and external customers and agents, providing customer service that meets or exceeds service level standards
  • Keep updated on ongoing relevant issues such as advances in clinical medicine or medical testing
10

Skills For Group Life & Disability Underwriter Resume

  • Not open to remote workers
  • Underwrite and processed new business applications per productivity and accuracy guidelines
  • Review applications for quality verification
  • Medical investigation and review
  • Watch for trends and problems
  • Complete assigned projects within the planned timeframe

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