Job Purpose:

Accountable for the mortality and morbidity risk of life and health insurance applications from new business, reinstatement, and existing businesses according to the assigned underwriting authority refer to the table of Underwriting Approval Authority Limit.

Key Responsibilities:

Underwriting

• Make an underwriting decision to the new business applications; approve the coverages applied for, modify or rated-up coverages or deny the coverage.
• Make decision by analyzing the minimum required information as necessary to reach a sound decision
• Escalate over authority cases to authorized person promptly by summarizing the details with recommended action or decision.
• Provide advice for the case related to underwriting referred from staff from other functions e.g. policy services, call center, branch staff, etc..

Assignments:

• Prepare complicated cases to consult with doctor for proper decision.
• Deal with distribution support function or third-party investigator to clear the concern points in some applicants.
• Deliver top-quality customer service i.e., be able to provide the appropriate underwriting decision for customers timely.