Utilize knowledge and expertise to determine plan designs and rates for Employer Group clients with a focus on assessing risk for Life, Disability, GAP, Critical Illness , and other Group Voluntary Products

Develop and maintain an extensive understanding of complex underwriting data and trends while attaining financial and marketing objectives for medical fully insured and self-funded groups. Provide technical guidance, analyze data and make pricing recommendations and renewals. Review customer and partner applications, gather data and assess risk, providing accurate case documentation and sound decisions. Evaluate financial risk in conformance with underwriting policies, procedures and methodologies, keeping in mind overall profit objectives. Develop and maintain an understanding of state-specific requirements and Health Insurance Portability and Accountability Act regulations. Partner with customers, sales offices and agents to address demonstrated customer needs

Reviews submitted applications, requested telephonic interviews and requested medical records, makes decisions to approve, decline, modify or postpone short-term disability, core cancer, intensive care, hospital indemnity, and critical illness applications. Additionally, approves, declines, modifies, or postpone individual life applications up to $50,000. Reviews applicants for limited health benefits. Corresponds with associates, accounts, applicants, and internal departments regarding underwriting decisions. Reviews and decodes confidential medical information, generates coding to be reported to the Medical Information Bureau. Researches and responds in writing to request for information regarding adverse decisions. Guides and coaches new underwriting specialists. Responsible for assisting field force and other departments with specific underwriting questions