Life Underwriter

Moder Solutions Inc.; Muntinlupa; On-site; PHP 500,000 - 750,000; Full time

Job summary

Moder Solutions Inc. is seeking a Life/Health Underwriter to join a growing insurtech startup in the Philippines. You will evaluate risks based on medical history, physical condition, occupational hazard, and financial background, in a collaborative environment where your input matters.

3–5 years of medical Life/Health underwriting experience and knowledge of all aspects of risk selection are required. Industry designations such as LOMA, ALMI, FMLI, ALU, or FALU are preferred, with strong

Qualifications

• 3–5 years of medical Life/Health underwriting experience.
• Knowledge of risk selection: medical, non-medical, financial.
• Excellent written and verbal communication.
• Comfortable with ambiguity.
• Preferably BPO experience.

Responsibilities

• Understand underwriting policies, guidelines, practices and procedures.
• Evaluate risks based on medical history, physical condition, occupational hazard, and financial background.
• Explain underwriting decisions clearly in writing and speech.
• Champion process improvements while maintaining mortality expectations.
• Gather information efficiently to support decision making.
• Independently handle assigned underwriting requests with minimal direction.

Skills

Medical underwriting

Risk assessment

Communication skills

Critical thinking

Independent working

Collaborative mindset

BPO experience

Education

Industry designations (LOMA, ALMI, FMLI, ALU, FALU)

Job description

About the role

Life insurance underwriter role at a growing insurtech startup. You will work in a collaborative environment where your opinion matters, evaluating risks and making underwriting decisions based on medical history, physical condition, occupational hazard, and financial background.

Key responsibilities

• Understand underwriting policies, guidelines, practices and procedures
• Determine whether to accept, modify, or decline a risk through evaluation of an individual's medical history or physical condition, occupational hazard, and financial background
• Communicate effectively both written and verbally to explain underwriting decisions
• Influence and champion changes to improve processes while maintaining mortality expectations
• Work efficiently to gather information necessary for decision making
• Independently work assigned requests with minimal direction

About you

• 3-5 years of experience in medical Life/Health Underwriting
• Demonstrated knowledge of all aspects of risk selection (medical, non-medical, financial)
• Ability to think critically and problem solve independently
• Positive, inclusive, agile, and collaborative mindset
• Strong verbal and written communication skills
• Term and permanent life insurance underwriting experience
• In process or completed industry designations, i.e. LOMA, ALMI, FMLI, ALU, FALU
• Comfortable with ambiguity
• Preferably with BPO experience.