Sr. Life Underwriter

Moder Solutions Inc.; Muntinlupa; On-site; PHP 450,000 - 650,000; Full time

Job summary

Moder Solutions Inc. is seeking an experienced life insurance underwriter with 5+ years of industry experience to join our team in Metro Manila, Muntinlupa. You will assess risks, apply underwriting guidelines, and explain decisions clearly to stakeholders.

The ideal candidate communicates effectively, works independently, embraces ambiguity, and collaborates to improve processes while maintaining mortality expectations. Industry designations such as LOMA, ALMI, FMLI, ALU, or FALU are a plus.

Qualifications

• 5-7 years of relevant life underwriter experience.
• Knowledge of risk selection (medical, non-medical, financial).
• Positive, inclusive, agile, and collaborative mindset.
• Strong verbal and written communication skills.
• Term and permanent life underwriting.

Responsibilities

• Understand underwriting policies, guidelines, practices and procedures.
• Determine whether to accept, modify, or decline a risk through evaluation of 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.
• Ability to independently work assigned requests with minimal direction.
• Comfortable with ambiguity.

Skills

5-7 years experience

Risk assessment

Underwriting

Decision making

Communication

Collaboration

Education

LOMA

ALMI

FMLI

ALU

FALU

Job description

About the Role

Are you a life insurance underwriter with 5+ years of experience, who is passionate about the profession of underwriting? Would you enjoy working in a collaborative environment where your opinion matters?

Duties and 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
• Ability to independently work assigned requests with minimal direction.
• Comfortable with ambiguity.

Qualifications and Skills:

• >5-7 years relevant experience
• 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
• In process or completed industry designations, i.e. LOMA, ALMI, FMLI, ALU, FALU