Evaluate complex and high-value life insurance cases requiring detailed medical review.
Interpret medical reports, diagnostic findings, physician statements, and laboratory investigations.
Determine risk classification and appropriate underwriting decisions in line with company guidelines.
Recommend special terms, exclusions, ratings, or declinatures where necessary.
Monitor underwriting quality, consistency, and adherence to underwriting philosophy.
Conduct quality audits and identify trends in underwriting decisions.
Drive continuous improvement in medical underwriting processes and controls.
Ensure compliance with regulatory and internal risk management standards.
Collaborate with distribution, sales, operations, claims, reinsurers, and medical experts.
Provide underwriting support for escalated and exceptional cases.
Participate in discussions with reinsurers on complex medical cases.
