SENIOR IDI/DISBILITY UNDERWRITER - REMOTE- $90k- $125K- USA.

Senior IDI Underwriter - Remote - USA
I am partnered with one of the largest US Life Insurance carriers as part of significant growth plans. As a result of a successful 2023, they are looking to expand their experienced IDI Underwriting team!
- Evaluate IDI applications and determine whether applications should be approved, declined, or if additional information is required based on morbidity, financial, and occupational risks according to company guidelines
- Consult with medical directors and IDI Underwriting management for the purpose of resolving complex medical and non-medical histories
- Interpret underwriting policy and implement established guidelines, department procedures, and regulatory directives
- Effectively articulate underwriting decisions and negotiate appeals of underwriting actions
- Work effectively with third-party administrators in the timely and accurate management of all IDI underwriting cases
- Collaborate with agency distribution on a regular basis to promote the IDI product line and build a strong reputation for competitive and responsible offers
- Work with our current or future reinsurance partners to negotiate and secure risk classification for businesses that may exceed morbidity standards, are above retention, or secure a more competitive offer
- Keep current on medical, financial, occupational and multi-life IDI underwriting-related developments; evaluate changes in IDI underwriting market practices and initiate appropriate response
- Assist with developing and mentoring junior underwriters
- Participate in training and development opportunities

Senior IDI Underwriter - Remote USA
I am partnered with one of the largest US Life Insurance carriers as part of significant growth plans. As a result of a successful 2023, they are looking to expand their experienced IDI Underwriting team!
The successful IDI Underwriter will be responsible for:

• Evaluate IDI applications and determine whether applications should be approved, declined, or if additional information is required based on morbidity, financial, and occupational risks according to company guidelines
• Consult with medical directors and IDI Underwriting management for the purpose of resolving complex medical and non-medical histories
• Interpret underwriting policy and implement established guidelines, department procedures, and regulatory directives
• Effectively articulate underwriting decisions and negotiate appeals of underwriting actions
• Work effectively with third-party administrators in the timely and accurate management of all IDI underwriting cases
• -Collaborate with agency distribution on a regular basis to promote the IDI product line and build a strong reputation for competitive and responsible offers
• Work with our current or future reinsurance partners to negotiate and secure risk classification for businesses that may exceed morbidity standards, are above retention, or secure a more competitive offer
• Keep current on medical, financial, occupational and multi-life IDI underwriting-related developments; evaluate changes in IDI underwriting market practices and initiate appropriate response
• Assist with developing and mentoring junior underwriters
• Participate in training and development opportunities

• Bachelor's degree required; industry-related education (DIA, LOMA) desired
• 7+ years of experience in disability/ IDI underwriting

• Knowledge of IDI insurance products and processes
• Experience in handling complex IDI underwriting cases; proven ability to evaluate financial, medical and occupational information to determine the most appropriate underwriting offer; strong working knowledge of medical terminology and awareness of how various medical impairments interact and affect individual morbidity risk

• Experience working closely with medical directors, accounting/ tax and legal resources as needed
• Ability to understand the impact of product form, riders, distribution, regulation, claim management and pricing on underwriting rules and decisions
• Excellent analytical skills; writing and verbal communication and negotiation skills
• Demonstrated ability to collaborate with individuals at all levels of the organization
• Work effectively within a team environment, as well as work independently
  • General computer proficiency required

For a confidential conversation please reach out to
Matt.duckworth@oliverjames.com
646-398-6901