AAA Life is seeking a Life Underwriter II (Remote) to Join our Team!. This professional will analyze, evaluate, and classifie risk for life insurance applications in accordance with established underwriting policies.  Enforce complex case underwriting, complaint resolution and active involvement in procedure development are also required. 

Underwrites life insurance applications, within guidelines established.  Determines whether to accept, modify or decline a risk through evaluation of an individual's medical history or physical condition, occupational hazards, financial background, insurable interest and other information pertinent to the decision. May consults with management, senior underwriting technicians, or medical department concerning any medical or non-medical situations that require assistance. Has contact with the field sales force, customers and vendors to gather information on which to base decisions. Has authority to approve cases up to specific standard and substandard limits. Referral Underwriters review cases requiring ratings or amounts in excess of prescribed limits and authority.

• Reviews for acceptance or denial, assigned life applications with face amounts up to $1,000,000 fully underwritten to age 85, some substandard authority; and all simplified products all face amounts all ages.
• Verifies that appropriate application signatures and underwriting authorizations have been obtained and are valid.
• Determines and assures that appropriate information necessary to fulfill underwriting requirements has been requested such as; re-examinations, special exams, medical reports, database research, investigations and laboratory studies
• Reviews all requested additional information, evaluates medical history and approves or denies applications.
• Interprets MIB codes, and prepares data and reports to the Medical Information Bureau, which involves knowledge of MIB code meanings and procedures.     May resolve MIB disputes and corrections or requests for additional information and follow up.  
• Provide support for contract change and reinstatement underwriting that may be required.
• Follows all department policies, procedures and processes to maintain or improve quality standards that ensure proper mortality experience.
• Establishes a collaborative relationship with agents/field management, applicants, vendors, other business units, and managers to ensure sales goals are maximized.
• Communicates by letter, telephone or personal contact with sales agents, applicants and professional personnel to obtain additional data.
• Refers cases outside prescribed approval authority to more senior underwriters or managers for review as needed.
• Demonstrates commitment to career development by actively participating in AAA sponsored training opportunities and independent industry programs to ensure industry knowledge is current and maintained.
• With assistance, prepares presentations for underwriters or sales agents that assist with training and development.