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Niche underwriting skills limit applicants, but mid-level role and Bangalore metro increase competition.
Strong insurance-specific skill requirements limit cross-industry transferability.
Explicit 3+ years and specialized APS/EHR underwriting skills make filters moderately strict.
Evaluate life insurance risks by assessing medical history, occupational hazards, and financial background to decide on acceptance, modification, or declination of insurance applications.
Communicate underwriting decisions clearly and influence process improvements while maintaining mortality expectations.
Manage assigned underwriting requests independently with minimal direction, adapting to ambiguity.
3+ years of experience in medical Life/Health Underwriting, preferably US-based underwriting experience.
Proficient in assessing and summarizing Attending Physician Statements (APS) and Electronic Health Records (EHR) is highly preferred.
Experience underwriting both term and permanent life insurance products.
Work Experience Required: 3+ years in life/health underwriting.
Experienced in risk selection encompassing medical, non-medical, and financial factors within life insurance underwriting.
Skilled in critical thinking and independent problem-solving under minimal supervision.
Familiarity or progress toward industry designations such as LOMA, ALMI, FMLI, ALU, or FALU indicating professional underwriting competence.