Underwriting Presales Consultant

Discovery Limited; Johannesburg; On-site; ZAR 300,000 - 400,000; Full time

Job summary

A leading insurance company in Johannesburg seeks a Presales Agent to provide underwriting decisions via phone and email. Responsibilities include risk rating application, client liaison, and handling underwriting queries. Candidates must have Matric and at least 1-2 years of underwriting experience. This role offers career growth opportunities in a dynamic environment.

Qualifications

• 1-year experience as an Inbound Service Consultant within a Life Insurance environment.
• 1 to 2 years working experience as an underwriter is essential.

Responsibilities

• Provide indicative underwriting decisions telephonically and via e-mail.
• Ensure correct risk rating is applied based on information provided.
• Liaise with clients regarding risk applied or policies.
• Attend to underwriting queries and escalated inquiries.

Skills

Strong Relationships Skills

Analytical skills

Conflict handling

Microsoft Office

Deciding and initiating action

Education

Matric / Grade 12

1 to 2 years working experience as an underwriter

1-year Nursing / medical experience

Job description

About Discovery

Discovery’s core purpose is to make people healthier and to enhance and protect their lives. We seek out and invest in exceptional individuals who understand and support our core purpose, and whose own values align with those of Discovery. Our fast-paced and dynamic environment enables smart, self-driven people to be their best. As global thought leaders, Discovery is passionate about innovating in order to not only achieve financial success, but to ignite positive and meaningful change within our society.

About the VitalityLife Underwriting Team

The Presales area is a dynamic fast paced environment; it is the stepping stone to underwriting. Presales is a great opportunity to learn how to underwrite and asses risk and for an individual to no longer just have a job but have a career in the insurance industry. The role of a presales agent is first line underwriting and to ensure that we offer an indication before an application is submitted therefore letting the client and broker know what to expect when an application is submitted. In our area you will have assistance from our team of highly trained Presales staff as well as our underwriters.

Key Purpose

To provide indicative underwriting decisions telephonically and via e-mail.

Areas of responsibility may include but not limited to:

The successful applicant will be responsible for but not limited to the following job functions:

• Ensure correct risk rating is applied based on the information provided on the telephone call or via email
• Consult necessary guidelines to ensure correct risk rating is applied to potential new business
• Liaise with clients regarding risk applied or policies that are deferred / declined
• Attending to underwriting queries and escalated enquiries from brokers, Account Managers, Franchise Directors which would mostly be telephonic but may be written and emailed.
• Dealing with underwriting queries and escalated queries from brokers, Account Managers, Franchise Directors to resolution.
• Administration duties relating to underwriting

Personal Attributes and Skills

• Strong Relationships Skills.
• Deciding and initiating action
• Working with People
• Able to work unsupervised and to take initiative
• Adhering to Principles and Values
• Presenting and Communicating Information (verbal & written)
• Conflict handling
• Analytical skills
• Learning and Researching
• Delivering Results and Meeting Customer Expectations
• Following Instructions and Procedures
• Adapting and Responding to Change
• Coping with extreme pressure and setbacks
• Microsoft Office

Education and Experience:

Education

• Matric / Grade 12 is essential.
• 1-year experience as an Inbound Service Consultant within a Life Insurance environment
• 1 to 2 years working experience as an underwriter (Essential)
• 1-year Nursing / medical experience (advantageous)

Knowledge:

• Medical background
• VitalityLife product knowledge (basic)
• Underwriting procedures & guidelines (including medical, financial and vocational)

EMPLOYMENT EQUITY

The Company’s approved Employment Equity Plan and Targets will be considered as part of the recruitment process. As an Equal Opportunities employer, we actively encourage and welcome people with various disabilities to apply.