Job details
Job type full-time
Full job description
Our company
Explore how you can contribute at amerilife.
For nearly 50 years, amerilife has been a leader in the development, marketing and distribution of annuity, life and health insurance solutions for those planning for and living in retirement.
Associates get satisfaction from knowing they provide agents, marketers and carrier partners the support needed to succeed in a rapidly evolving industry.
Job summary
American insurance administrators is a rapidly growing third party administrator of annuities, life, health, and supplemental benefit insuranceWe are currently seeking an individual with proper education, training and/or experience to be the medical resource for our underwriting and claims teamsThis is a full-time, exempt position that can be located at either our office in clearwater, fl or our office in salt lake city, utWe will also consider remote candidates for this positionOur operational hours are 8:00 am – 6:00 pm local time.
The underwriting specialist is the medical resource with respect to health risk assessment during the underwriting process as well as claims reviews.
Job description
Job duties
[the following reflects duties for this job but does not restrict the tasks that may be assignedManagement may assign or reassign duties and responsibilities to this job at any time for business reasons.]
Provides medical underwriting and consultations for complex cases
Audits underwriting processes to ensure the carrier service level agreements and guidelines are maintained
Handles evaluations of declined cases exception requests
Performs medical underwriting of supplement benefit claims
Assist in the development and delivery of underwriting training
Serve as a subject matter expert for projects and special initiatives within, and in collaboration with, other departments
Qualifications
Minimum job requirements
Bachelor’s degree and/or 2-5 years related experience, with a minimum of 5+ years in the insurance or financial services industry
5+ years experience as an individual health underwriter (disability income, long term care, med supp)
Nursing, medical, and/or clinical experience a plus
Experience as an individual life underwriter a plus
Any equivalent combination of experience and/or education from which comparable knowledge, skills and abilities have been achieved.
Knowledge, skills, and abilities
Knowledge of life and health insurance underwriting, specifically risk assessment for products geared to the senior market;
Medical and clinical knowledge of medications, diagnoses and treatments;
Ability to read policy language and medical records in relation to contestable claims and compliance requests;
Ability to understand and differentiate underwriting guidelines between multiple carriers;
Knowledge of standard practices of insurance companies and third-party administrators (tpa);
Knowledge of pharmacy reports and mib (formerly medical information bureau), preferred
Computer literacy with verbal and written communication skills.
