Basic Function The Medical Underwriter reviews applications for life, disability insurance and determines whether the requested coverage can be granted to the individual. Individuals in this role medically underwrite applications for Group Life, Long-Term Disability and/or Short-Term Disability Insurance. This is done by utilizing medical underwriting tools such as the Medical Information Bureau (MIB), medical records and/or medical examinations to assess risk. Information pertaining to the applicant’s past and present medical conditions are evaluated against company guidelines and decisions are made to either accept the applicant for coverage or decline the application. Principal Duties & Responsibilities To assess the overall risk by collecting, reviewing and analyzing an applicant's relevant history and records, obtain additional information to determine coverage needs, to give rating and to reduce the possibility of adverse selection against the insurer by applying the available insurance manuals guidelines.
Underwrite applications for Group Life, Long-Term Disability and/or Short-Term Disability Insurance
Make decisions to either accept the applicant for coverage or decline the application.
Skills required Knowledge of US Insurance /Medical Claims/US Healthcare is preferable In depth knowledge of medical terminology and body systems Proficiency in written English and ability to paraphrase Computer literacy - Basic IT knowledge and familiarity of operating systems (Windows) Basic Knowledge of using Internet, web browser, search engine, Microsoft excel and word Ability to work in a high volume, fast paced environment while ensuring quality decisions Adherence to production, quality and service standards Proactive in identifying process enhancements and developing solutions Adaptability Eagerness to learn/flexibility to change Openness to feedback Team work Business Awareness Managing self Customer focus Desire to excel and improve Self-motivated, team player Problem solving skills Analytical ability Good Communication written and oral
Choosing a digital partner is about more than capabilities — it’s about collaboration and character.
Unrealistic overhauls and off-the-shelf products ignore what matters most — your unique needs, culture, goals, and your legacy data and technology environments.
At EXL, our collaboration is built on ongoing listening and learning to adapt our methodologies. We’re your business evolution partner—tailoring solutions that make the most of data to make better business decisions and drive more intelligence into your increasingly digital operations.
Whether your goals are scaling the use of AI and digital, redesign operating models, or driving better and faster decisions, we’re here to partner with you to help you gain—and maintain—competitive advantage with efficient, sustainable models at scale.
Our expertise in transformation, data science, and change management helps make your business more efficient and effective, improve customer relationships and enhance revenue growth. Instead of focusing on multi-year, resource- and time-intensive platform designs or migrations, we look deeper at your entire value chain to integrate strategies with impact.
We use our specialization in analytics, digital interventions, and operations management—alongside deep industry expertise — to deliver solutions that help you outperform the competition.
At EXL, it’s all about outcomes—your outcomes—and delivering success on your terms. Share your goals with us and together, we’ll optimize how you leverage data to drive your business forward.
For more information, visit www.exlservice.com.
