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Metro Bangalore mid-level role with moderate brand and niche underwriting specialization yields moderate competition.
Underwriting requires specialized life/health risk expertise, limiting cross-industry transferability.
Requires 3+ years underwriting experience and APS/EHR domain skills, causing moderate screening strictness.
Evaluate life insurance risk by assessing medical history, physical condition, occupational hazards, and financial background to decide acceptance, modification, or declination of insurance applications.
Communicate underwriting decisions clearly in writing and verbally, influencing improvements to underwriting processes while maintaining mortality expectations.
Work independently with assigned underwriting requests, managing ambiguity and efficiently gathering information needed for decision making.
3 to 5+ years experience in medical Life/Health Underwriting; US-based underwriting experience preferred but not mandatory.
Experience assessing and summarizing Attending Physician Statements (APS) and Electronic Health Records (EHR) highly preferred.
Demonstrated knowledge of risk selection including medical, non-medical, and financial aspects.
Work Experience Required: 3+ years in life insurance underwriting. Notice period: Not explicitly mentioned in the JD.
Experienced in underwriting both term and permanent life insurance products with strong critical thinking and independent problem-solving skills.
Comfortable working independently in a fast-paced startup/insurtech environment, handling ambiguity with minimal direction.
Possesses or is pursuing industry designations such as LOMA, ALMI, FMLI, ALU, or FALU indicating professional development commitment.