Western & Southern Financial Group


Insurance Operations
Full Time


Summary of Responsibilities:

Evaluates and classifies risks on applications for life, accident and critical illness insurance including supplemental benefits and policy changes in accordance with mortality and morbidity pricing assumptions. Underwrites life insurance applications and associated risks. Classifies the risk with a minimum of underwriting requirements. Verbally discusses cases with Field Sales associates and applicants, which may involve explaining the reasons the Company took adverse action on an application and attempting to diminish any negative reaction by the applicant.

Develops a strong knowledge of human physiology in order to gather the necessary information from the data collected. In addition, builds a high level of knowledge of other technical aspects of the underwriting process which include financial needs, insurable interests, avocations and occupations along with a comprehensive knowledge of the Company's products and procedures.


Position Responsibilities:

  • Independently determines and reviews the extent of risk to the Company and assigns a classification.

  • Evaluates underwriting requirements through a variety of correspondence, reports and forms.

  • Determines if additional underwriting requirements in excess of the regular requirements (i.e., age/amount requirements) are needed.

  • Makes underwriting decisions that produce claim results within the Company's mortality expectations.

  • Determines appropriateness of applied coverage (i.e., sufficient financial justification, appropriate insurable interest).

  • Complies with federal and state rules and regulations (i.e., MIB, Fair Credit Reporting Act, blood testing, Replacements, 1035 Exchanges, etc.).

  • Communicates clearly and provides accurate information verbally and in writing to the field force, vendors, reinsurers, various Home Office associates, etc., while following proper rules of punctuation, grammar, dictation, and style.

  • Underwrites policy changes, reinstatements, rate reduction or removal.

  • Gives proper guidance and direction to the New Business support staff.

  • Effectively works within a team composed of associates who are at various levels of experience and expertise in addition to various job levels.

  • May periodically prepare procedures to be used in work-related procedural and training manuals and also to prepare formal reports in conjunction with department projects.

  • Develops and presents structured job-specific training as management directs, applying appropriate adult-learning principles.

  • Maintains confidentiality of information, including sensitive medical, financial, personal and payroll information.

  • Performs other duties as assigned by management.


Selection Criteria:

  • Proven strong analytical skills, including demonstrated experience identifying and quantifying problems and providing effective resolutions.

  • Proven experience working in a customer-oriented field and effectively articulating information to clients in a patient and understanding manner while managing multiple tasks/issues involving clients.

  • Possesses and displays excellent verbal and written communication skills with ability to convey information to internal and external customers in a clear, focused and concise manner.

  • Must provide examples of handling difficult situations effectively while maintaining high volumes of work.

  • Demonstrated strong attention to detail with excellent organizational skills. Cite examples of organization and time management methods used to manage or prioritize workload demands.

  • Ability to continuously make repetitive motions of the wrists, hands and/or fingers.

  • Must provide examples from working experience of going above and beyond the call of duty to assist team members. Works independently.

  • Proven experience adapting and demonstrating flexibility associated with changes to policies/procedures.

Work Setting:

  • This position works in an office setting and remains continuously in a stationary position for long periods of time while working at a desk, on a computer or with other standard office equipment, or while in meetings.

Educational Requirements:

  • College degree or relevant work experience preferred.

  • LOMA 280 and 290 preferred.

Computer skills and knowledge of hardware & software required:

  • Working knowledge of word processing and spreadsheet applications.

Certifications & licenses (i.e., Series 6 & 63, CPA, etc.):

  • None required.

Position Demands:

  • Extended hours required during peak workloads or special projects.


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