Life Underwriter (Livonia)

Life Underwriter

US-MI-Livonia

Job ID: 2026-2043
Type: Regular Full-Time
# of Openings: 1
Category: Underwriting
Livonia

Overview

AAA Life is a respected and trusted American brand that has been focusing on Life Insurance and Annuity Products since 1969. At AAA Life we have over 1.8 million policies where we take pride in earning the trust of our policyholders who understand our promise to be there for them – and their families – when we’re needed most. By joining the AAA Life team, you are joining a company that genuinely cares about helping each other, with a devotion to protect the lives of those around us. We embrace a diverse, equitable, inclusive culture where all associates can feel a sense of belonging and use their unique talents and perspective to influence, innovate, motivate, and thrive.

AAA Life is seeking a Life Insurance Underwriter that will, analyze, evaluate and classify risk for life insurance applications. This underwriter will determine whether to approve, modify or decline a risk through evaluation of an individual's medical history or physical condition, occupational hazards, financial background, insurable interest and other information pertinent to the decision. Has contact with the field sales team, customers and vendors to gather information on which to base decisions. Has authority to approve cases up to specific standard and substandard limits.

Note:

• Mortgage underwriting experience will NOT be considered
• Call volume on average is about 4-6 calls a day. Regular late night is 1 day every other week. Friday night late nights are rotated which is about 1 per quarter.

Position Responsibilities

• Reviews for acceptance or denial, assigned life applications with face amounts up to $1,000,000 fully underwritten
• Determines and assures that appropriate information necessary to fulfill underwriting requirements has been requested such as; re-examinations, special exams, medical reports, database research, investigations and laboratory studies
• Interprets MIB codes, and prepares data and reports to the Medical Information Bureau, which involves knowledge of MIB code meanings and procedures.
• Provide support for contract change and reinstatement underwriting that may be required.
• Prepares presentations for underwriters or sales agents that assist with training and development.

Qualifications

• 2 year College Degree in Finance, Business or Economics
• 1-2 years’ Life Insurance industry experience (sales experience or strong life insurance sales support and training)
• Knowledge of life and annuity sales strongly preferred
• Proficient in Microsoft Word, PowerPoint and Excel
• Strong communication skills – verbal and written
• Ability to provide strong customer service
• Possesses some technology knowledge of insurance system applications and data
• Works well in a team environment
• Demonstrates proactive skills
• Willingness to work extended hours and weekends, if required
• Team player and self–starter, highly motivated, and results driven
• Ability to effectively function in a fast-paced team environment
• Demonstrates a high level of independence and creativity, and looks for opportunities to initiate and follow through on new projects and opportunities
• Strong organizational and follow-up abilities
• Ability to thrive in fast-paced challenging environment

Benefits:

We offer a variety of social programs, flexible work hours and family-friendly benefits to all of our employees.

• Pension and Retirement Plans
• Medical, Dental and Vision Coverage
• Paid Time Off
• Paid Parental Leave
• Hybrid Work Environment
• 401K
• Support for Community Involvement
•  

While performing the duties of this job, the employee is frequently required to stand, walk, sit, use hands to finger, handle, or feel, talk, hear and concentrate. Specific vision abilities required by this job include close vision, distance vision, depth perception, and ability to adjust focus.

 

This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements. Reasonable accommodation will be made for otherwise qualified applicants as needed to enable them to fulfill these requirements.

 

We are committed to ensuring equal employment opportunities for all job applicants and employees. Employment decisions are based upon job-related reasons regardless of an applicant's race, color, religion, sex, sexual orientation, gender identity, age, national origin, disability, marital status, genetic information, protected veteran status, or any other status protected by law.

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