Job Description

Roles & Responsibilities

Key Responsibilities:

-Evaluate medical histories, clinical reports, and insurance applications to assess risk and determine eligibility.

-Make accurate, well-reasoned underwriting decisions in line with company policies, industry best practices, and regulatory requirements.

-Handle complex and high-value cases, providing guidance and mentorship to junior underwriters.

-Collaborate effectively with brokers, agents, and internal teams to clarify medical information and ensure smooth application processing.

-Maintain accurate and comprehensive records of underwriting decisions and rationale.

-Stay current on emerging medical trends, underwriting practices, and changes in insurance regulations.

-Contribute to the development and enhancement of underwriting guidelines and processes.

Qualifications:

-Bachelor’s degree in Life Sciences, Medicine, Nursing, or a related field.

Professional underwriting certification (e.g., ACII, AMII) preferred.

-Minimum of 5 years’ experience in medical underwriting within life or health insurance.

-Proven experience handling complex cases with strong risk assessment skills.

Skills:

-Deep knowledge of medical terminology, clinical conditions, and risk evaluation.

-Exceptional analytical, decision-making, and problem-solving abilities.

-Strong attention to detail with a high degree of accuracy.

-Excellent communication and interpersonal skills to interact with clients, brokers, and internal teams.

-Proficiency in underwriting systems and Microsoft Office.

-Ability to work independently while mentoring and guiding junior team members.

Senior Medical UW
Fidelity United Insurance

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