Life Underwriter SUMMARY:

Assistant Underwriter:

This position supports the Underwriters and the Underwriting function. Evaluates routine new and existing business applications and supplementary materials to determine the degree of risk, premiums, and insurability according to company policies and guidelines.

Senior Assistant Underwriter:

In addition to the job duties which fall under the Assistant Underwriter position, this role exercises a greater degree of independent judgment in evaluating applications for insurance coverage and endorsements with a higher authority level and requires more knowledge and experience in analyzing risk and understanding exposures.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Review and approve new business applications, endorsements, policy changes, and other routine transactions within defined authority. Research and process policy updates, supporting documents, and correspondence, ensuring proper classification, coverage, and rating. Run underwriting reports, maintain records, and refer items exceeding authority to an Underwriter. Assist with audits, renewals, reinsurance records, and policies requiring special attention. Handle questions and changes related to policy dates, equity, or accounting, coordinating with internal departments as needed. Draft letters and communications to correct or modify policies and coverages. Communicate with agents, customer service representatives, insureds, mortgagees, and other stakeholders to provide accurate information, documentation, and customer service. Train and mentor less experienced staff in underwriting systems and policy knowledge. Identify and define work orders for system and process improvements with I.T. teams. Maintain current knowledge of underwriting practices by attending training, webinars, and industry events. Perform other duties as assigned

Senior Level Distinction:

Exercises broader authority to independently underwrite routine applications and policy changes. Applies advanced judgment in decision-making and documents rationale effectively. Processes more complex endorsements and provides guidance to agents, customer service representatives, and other staff. Leads and contributes to special projects, working independently or collaboratively as required. Provides advanced training and mentorship to Assistant Underwriters and less experienced personnel. EDUCATION and/or

EXPERIENCE

Assistant Underwriter:

Associates Degree and a minimum two years of work experience in a related area, except that additional work experience may be substituted on a year-for-year basis for the formal education requirement.

Senior Assistant Underwriter:

Associates Degree and a minimum four years of work experience in a related area, except that additional work experience may be substituted on a year-for-year basis for the formal education requirement. Has a proven ability to perform at the Senior Assistant Underwriter level. Also, preferred is completion of the Associate in Insurance designation program (AINS) with The Institutes.

QUALIFICATIONS

Apply manual guidelines and rules to specified types of insurance applications and changes. Train and mentor Underwriting Associates and Specialists. Read, analyze and interpret instructions and other technical documents. Identify issues, collect data, establish facts and draw valid conclusions. Handle and process confidential and private information in an appropriate manner. Present information effectively in one-on-one and small group situations to management, other departments, customers, agents, and other employees. Resolve problems involving several concrete variables in standardized situations. Exercise independent judgment and communicate effectively. Explain reduced coverages, higher rates, restrictions and risk declines in a positive manner and with supporting information. Identify issues, collect data, establish facts and draw valid conclusions. Meet deadlines while dealing with and prioritizing a high volume of work. Learn and adapt to continual changes in products, procedures, manuals and personnel. Operate a personal computer Bilingual (Spanish) skills are an asset but not required

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit, reach with hands and arms, and talk or hear. The employee frequently is required to stand; walk; and use hands and fingers to handle or feel. The employee is occasionally required to stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 30 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate. Can be noisier due to conversations, phone calls, office and environmental equipment. 01.2026