Overview
AAA Life is a respected and trusted American brand that has been focusing on Life Insurance and Annuity Products since 1969. At AAA Life we have over 1.8 million policies where we take pride in earning the trust of our policyholders who understand our promise to be there for them – and their families – when we’re needed most. By joining the AAA Life team, you are joining a company that genuinely cares about helping each other, with a devotion to protect the lives of those around us. We embrace a diverse, equitable, inclusive culture where all associates can feel a sense of belonging and use their unique talents and perspective to influence, innovate, motivate, and thrive.
AAA Life is seeking a Life Insurance Underwriter that will, analyze, evaluate and classify risk for life insurance applications. This underwriter will determine whether to approve, modify or decline a risk through evaluation of an individual's medical history or physical condition, occupational hazards, financial background, insurable interest and other information pertinent to the decision. Has contact with the field sales team, customers and vendors to gather information on which to base decisions. Has authority to approve cases up to specific standard and substandard limits.
Note
Mortgage underwriting experience will NOT be considered
Call volume on average is about 4-6 calls a day. Regular late night is 1 day every other week. Friday night late nights are rotated which is about 1 per quarter.
Position Responsibilities
Reviews for acceptance or denial, assigned life applications with face amounts up to $1,000,000 fully underwritten
Determines and assures that appropriate information necessary to fulfill underwriting requirements has been requested such as; re-examinations, special exams, medical reports, database research, investigations and laboratory studies
Interprets MIB codes, and prepares data and reports to the Medical Information Bureau, which involves knowledge of MIB code meanings and procedures.
Provide support for contract change and reinstatement underwriting that may be required.
Prepares presentations for underwriters or sales agents that assist with training and development.
Qualifications
2 year College Degree in Finance, Business or Economics
1-2 years’ Life Insurance industry experience (sales experience or strong life insurance sales support and training)
Knowledge of life and annuity sales strongly preferred
Proficient in Microsoft Word, PowerPoint and Excel
Strong communication skills – verbal and written
Ability to provide strong customer service
Possesses some technology knowledge of insurance system applications and data
Works well in a team environment
Demonstrates proactive skills
Willingness to work extended hours and weekends, if required
Team player and self–starter, highly motivated, and results driven
Ability to effectively function in a fast-paced team environment
Demonstrates a high level of independence and creativity, and looks for opportunities to initiate and follow through on new projects and opportunities
Strong organizational and follow-up abilities
Ability to thrive in fast-paced challenging environment
Benefits
Pension and Retirement Plans
Medical, Dental and Vision Coverage
Paid Time Off
Paid Parental Leave
Hybrid Work Environment
401K
Support for Community Involvement
While performing the duties of this job, the employee is frequently required to stand, walk, sit, use hands to finger, handle, or feel, talk, hear and concentrate. Specific vision abilities required by this job include close vision, distance vision, depth perception, and ability to adjust focus.
This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements. Reasonable accommodation will be made for otherwise qualified applicants as needed to enable them to fulfill these requirements.
We are committed to ensuring equal employment opportunities for all job applicants and employees. Employment decisions are based upon job-related reasons regardless of an applicant's race, color, religion, sex, sexual orientation, gender identity, age, national origin, disability, marital status, genetic information, protected veteran status, or any other status protected by law.
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AAA Life is seeking a Life Insurance Underwriter that will, analyze, evaluate and classify risk for life insurance applications. This underwriter will determine whether to approve, modify or decline a risk through evaluation of an individual's medical history or physical condition, occupational hazards, financial background, insurable interest and other information pertinent to the decision. Has contact with the field sales team, customers and vendors to gather information on which to base decisions. Has authority to approve cases up to specific standard and substandard limits.
Note
Mortgage underwriting experience will NOT be considered
Call volume on average is about 4-6 calls a day. Regular late night is 1 day every other week. Friday night late nights are rotated which is about 1 per quarter.
Position Responsibilities
Reviews for acceptance or denial, assigned life applications with face amounts up to $1,000,000 fully underwritten
Determines and assures that appropriate information necessary to fulfill underwriting requirements has been requested such as; re-examinations, special exams, medical reports, database research, investigations and laboratory studies
Interprets MIB codes, and prepares data and reports to the Medical Information Bureau, which involves knowledge of MIB code meanings and procedures.
Provide support for contract change and reinstatement underwriting that may be required.
Prepares presentations for underwriters or sales agents that assist with training and development.
Qualifications
2 year College Degree in Finance, Business or Economics
1-2 years’ Life Insurance industry experience (sales experience or strong life insurance sales support and training)
Knowledge of life and annuity sales strongly preferred
Proficient in Microsoft Word, PowerPoint and Excel
Strong communication skills – verbal and written
Ability to provide strong customer service
Possesses some technology knowledge of insurance system applications and data
Works well in a team environment
Demonstrates proactive skills
Willingness to work extended hours and weekends, if required
Team player and self–starter, highly motivated, and results driven
Ability to effectively function in a fast-paced team environment
Demonstrates a high level of independence and creativity, and looks for opportunities to initiate and follow through on new projects and opportunities
Strong organizational and follow-up abilities
Ability to thrive in fast-paced challenging environment
Benefits
Pension and Retirement Plans
Medical, Dental and Vision Coverage
Paid Time Off
Paid Parental Leave
Hybrid Work Environment
401K
Support for Community Involvement
While performing the duties of this job, the employee is frequently required to stand, walk, sit, use hands to finger, handle, or feel, talk, hear and concentrate. Specific vision abilities required by this job include close vision, distance vision, depth perception, and ability to adjust focus.
This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements. Reasonable accommodation will be made for otherwise qualified applicants as needed to enable them to fulfill these requirements.
We are committed to ensuring equal employment opportunities for all job applicants and employees. Employment decisions are based upon job-related reasons regardless of an applicant's race, color, religion, sex, sexual orientation, gender identity, age, national origin, disability, marital status, genetic information, protected veteran status, or any other status protected by law.
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