AutoReqId 4000BR
Job Function and Key Duties & Responsibilities:
Conducts telephone investigations and prepares/sends correspondence to applicants and clients. Decisions will require Manager approval/signature per his/her discretion.
· Daily review, analysis and final disposition, within medical and non-medical guidelines set for the issuance of contracts, of referred and assigned Enrollments, Reinstatements, Riders, Upgrades, Live Rescissions, etc. Approves, classifies and declines under Management supervision. Approval authority capped at $50,000 total per individual life.
· Conducts medically focused telephone interviews with applicants. This includes the use of scripted impairment questionnaires and documentation of responses. The underwriter, however, must be well versed in a wide variety of medical impairments, treatments and medication. He/She must often go outside the script in order to execute proper risk management.
· Reviews, analyzes and takes action on prior enrollment forms as needed. Action may include client correspondence, mail list removal and/or live rescission recommendation.
· Utilized Underwriting Queue.
· Juvenile Medical record review as needed.
· Composes applicant/client correspondence such as declinations and appeal response
Qualifications:
· Bachelors degree
· Recent graduate (within 2 years)
· Limited decision making since problems can generally be evaluated in terms of defined procedures and precedents, performed under general supervision.
· Approval authority up to $50,000.
· Communicates in oral and written form with company employees and public regarding underwriting practices.