Underwriting & Risk Assessment

• Assess life insurance applications based on medical, financial, and occupational risk factors

• Review and interpret supporting documents such as medical reports, income proofs, and proposal forms

• Make decisions on standard cases within assigned underwriting authority; escalate complex cases to senior underwriters or reinsurers

• Ensure underwriting decisions align with company guidelines, reinsurance manuals, and regulatory compliance

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Process Management

• Maintain accurate underwriting records and document the rationale for decisions in the underwriting system

• Coordinate with medical examiners, diagnostic centers, and third-party vendors for necessary reports and tests

• Follow up with sales/support teams to collect pending requirements from clients

• Support digitized and automated underwriting initiatives where applicable

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Client & Channel Support

• Provide clear communication and guidance to sales and operations teams regarding underwriting decisions and requirements

• Respond to queries from sales channels and policyholders on underwriting-related matters

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Risk Compliance

• Ensure underwriting practices comply with internal policies, industry standards, and regulatory guidelines

• Assist in identifying potential fraud or misrepresentation.