Underwriter

• Mar 2016 - Present

Medical Underwriter - Health

• Sep 2003 - Aug 2015

Medical Underwriter - Health 2003 to 2015 Evaluate and analyze health insurance applications to determine extent of company’s risk exposure, make approval, denial or exclusion of benefit decisions in accordance with policy provisions. • Evaluated and processed individual health applications for eligibility under the Affordable Care Act. • Collaborated with insurance agents and interview applicants to correct errors, rectify omissions and investigate questionable health history. • Reviewed medical records and lab reports consulting with medical professionals in evaluating applications to ensure offers were commensurate with risk. • Examined and analyze documents to determine degree of risk from such factors as health history, occupation, and other insurance. • Completed thousands of health applications throughout tenure. Provided optimum service to applicants and agents, and negotiated fair offers. • Reviewed company underwriting guidelines, state mandates, internal documents and company policy in evaluating applications for health insurance. • Communicated to field representatives (5-10 daily), applicants (5-15 daily), medical personnel, and others to obtain further information, quote rates, or explain company underwriting policies. • Developed a strong understanding of insurance policies and legal issues through completion of a series of AHIP classes with HIA designation.

Life Underwriter

• Mar 1997 - Sep 2003

Review and process life insurance applications making suitability and pricing decisions. Assisted applicants in a busy call-center environment. • Evaluated medical records, lab reports and applications to determine the degree of risk involved in granting individual insurance while managing multiple case files. • Interviewed applicants to obtain additional information for underwriting life insurance applications. • Interfaced with agents, and medical providers to obtain application requirements. • Developed a strong understanding of insurance policies and legal issues through completion of a series of LOMA classes with FLMI designation.