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About the job

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Job Purpose

The Underwriter determines appropriate risk classification for policies based on collection of data, detailed research, and sound judgment using company underwriting criteria and philosophy. The Underwriter reviews cases and determines necessary medical, non-medical, and compliance requirements. This individual provides information about the underwriting process to producers and customers.

Essential Responsibilities

• Reviews insurance reinstatement/reissue applications and documentation to evaluate the eligibility of each applicant in accordance with company guidelines and standards. Determines necessary medical, non-medical, regulatory, and compliance requirements. Escalates applications to Compliance when further review is required.

• Determines the appropriate risk classification based on detailed research, collection and analysis of data, and sound judgment using the underwriting criteria and philosophy. Makes sound risk selections to protect the company and satisfy customer expectations.

• Assesses the need for additional information or for referral to a Sr Underwriter for opinion or recommendation.

• Advises financial professional and customer(s) about the rationale for underwriting decisions, including adverse ones.

• Assists the financial professional when there is a request or need for information relating to any aspect of the underwriting process.

• Supports customers, financial professionals, and internal associates with complex underwriting service issues.

• Has approval authority up to $250,000 standard risk through $2.5 million all rates, with review limits up to $5 million.

Other Duties

• Performs project and committee work as assigned.

• Performs basic clerical duties required to support the underwriting process.

• Interprets normal electrocardiograms (ECG/EKG).

• Identifies and orchestrates updates to the Life Underwriting Guide.

• Performs other duties and/or projects as assigned.

Knowledge, Skills and Abilities

• Strong verbal and written communication skills with an ability to effectively communicate underwriting decisions.

• Knowledge of underwriting risk assessment principles, research techniques, and medical terminology and treatments.

• Ability to exercise good judgment in the application of underwriting techniques.

• Strong product knowledge.

• Solid analytical and problem-solving skills.

• Strong organization and prioritization skills.

• Ability to work well under pressure.

• Strong customer service skills.

• Proficient in Microsoft Office applications and other relevant department software.

• Ability to work independently and as part of a team.

Qualifications

• Bachelor's Degree or equivalent combination of education and/or experience required.

• 1+ years of life underwriting experience required.

• Active pursuit or completion of a LOMA designation preferred.

Jackson is proud to be an equal opportunity workplace. The Company subscribes to and endorses federal and state laws and regulations relating to equal employment opportunity for all persons without regard to race, color, religion, gender, age, national origin, legally-recognized disability, marital status, legally-protected medical condition, citizenship, ancestry, height, weight, sexual orientation, veteran status, or any other factor not related to the needs of the job. The Company is committed to a policy of equal opportunity. Company facilities and campuses are tobacco-free environments.