Description
Evaluate life insurance applications to assess mortality and financial risk, determine coverage, premiums, or conditions, and decide acceptance or reinsurance in line with underwriting guidelines.
- • Decline applications with unacceptable mortality or financial risk.
- • Request information from agents, applicants, and medical providers (APS, exams, labs) and explain underwriting decisions or quotes.
- • Evaluate age, medical history, lifestyle, avocations, occupation, and financial suitability to prevent over-insurance and antiselection.
- • Apply table ratings, flat extras, riders, or adjust face amounts to price or condition substandard risks using underwriting manuals.
- • Review in-force and pending coverage, inspection reports, and internal records to verify financial justification and retention limits.
- • Arrange automatic or facultative reinsurance for jumbo amounts or impaired risks per treaty guidelines.
- • Analyze applications, medical evidence, prescription histories, and motor vehicle reports to determine mortality risk and eligibility.
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O*NET occupational data (work activities, skills, knowledge).
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This site includes information from O*NET by the U.S. Department of Labor, Employment and Training Administration (USDOL/ETA), used under the CC BY 4.0 license. Career Clutch has modified some of this information for student readability. USDOL/ETA has not approved, endorsed, or tested these modifications. O*NET® is a trademark of USDOL/ETA.
Last reviewed: Jan 2026
