Medical Case Manager

AmeriLife

12d

About The Position

We are seeking an experienced Medical Case Manager with a background in high-net-worth cases to join our team. This role involves assessing medical records for new business applications and working closely with clients, advisors, carrier medical underwriters, case managers, and internal teams to deliver customized underwriting solutions. The ideal candidate will bring a minimum of 5 years of experience in medical underwriting within a carrier environment, with a demonstrated track record of handling high-net-worth clients and complex cases.

Requirements

Experience: Minimum of 5 years in medical underwriting, ideally within a life insurance carrier environment, with demonstrated expertise in new business underwriting for high-net-worth clients.
Medical Knowledge: Strong understanding of medical terminology, conditions, and risk factors, with the ability to apply this knowledge to high-stakes underwriting cases.
Analytical Skills: Strong analytical skills, with the ability to evaluate complex medical and financial information effectively.
Communication Skills: Excellent verbal and written communication skills, with the ability to explain underwriting decisions to both technical and non-technical stakeholders.
Attention to Detail: High degree of accuracy and attention to detail in assessing risk and documenting decisions.
Compliance Knowledge: Familiarity with industry regulations, compliance standards, and underwriting best practices.

Responsibilities

Risk Assessment: Review and evaluate medical information, history, and lifestyle factors to assess risk accurately for new business applications, ensuring alignment with company guidelines and risk appetite.
High Net-Worth Client Underwriting: Apply expertise in high-net-worth client underwriting, providing tailored assessments and recommendations for sophisticated cases with large policy values.
Collaboration with Advisors and Agents: Work closely with sales agents, brokers, and advisors to discuss underwriting decisions, alternative solutions, and provide education on medical underwriting considerations.
Decision-Making: Make informed, independent underwriting decisions, backed by solid analysis and within authorized limits; escalate complex cases as necessary.
Documentation and Compliance: Maintain accurate records of underwriting decisions, ensuring full compliance with company policies, procedures, and regulatory requirements.
Continuous Improvement: Stay updated on industry trends, medical advancements, and changes in underwriting guidelines, and contribute insights for policy updates and risk management strategies.