| Appraise medical risks for life insurance application o Using factors such as age, occupation, medical history, financial standing and other relevant conditions that determine insurability o Appraise level of risk involved in applications with adverse medical findings and where medical opinion or decision is necessary for acceptance/rejection of insurance coverage o Evaluate medical condition and analyze the test results of the applicants o Underwrite new and existing business. Recommend, accept, reject insurance coverage within limits set in the underwriting policy o Handle routine and non-routine and renewal cases Refer difficult cases to superiors o Check policy documents o Deal with some non-standard proposals directly o Conduct audits on underwriting files to ensure standards are met. o Ensure underwriting decisions are communication to Agency and customers in a timely and effective manner |