Job Summary:

The Consultant analyzes risk for individual and group coverage, determines eligibility based on application, product, state signed, etc.; and utilizes all other sources such as MIB to make underwriting decisions. Additionally, the consultant will be called on to make recommendations for underwriting policy and updating the Training Guide. The consultant also helps to manage risk assessment of specialty products/projects as assigned.

Key Responsibilities:

• Reviews applications for eligibility based on admitted health history, product, state or filing restrictions, MIB and any other source of information provided for review to include life face amounts <$250,000.
• Review referred files from the claims area where information has been developed that was not disclosed on the original application
• Reviews requests for policy changes and reinstatements to determine eligibility
• Maintain positive relationships with our internal and external customers through effective Written and Verbal Communication skills, including agents, proposed insureds, and State Departments of Insurance.
• Having a geographical underwriting territory assigned and maintained by knowing specific regulations applicable and building of relationships of field personnel and producers
• Risk Selection decisions are handled in a quality, timely, and productive manner.
• Process/underwrite specialty products, projects as assigned
• Making recommendations to management for changes to be made to underwriting guidelines, procedure, etc.

Supervisory Responsibilities:

Education and Experience:

• 4 year Bachelors Degree (Preferred)
• 2 or more years of experience (Preferred)
• In lieu of the above education requirements, an equivalent combination of education and experience may be considered.

Certificates, Licenses, Registrations:

• FLMI and/or LOMA (Preferred)

Functional Skills:

• Proficiency in medical terminology and procedures as they relate to the evaluation of the risk being considered
• Strong verbal and written communication skills
• Strong analytical skills
• Attention to details