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Introduction Of MASCO Structure Of Classification Starting Salary Guidelines
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Major Group
3
Technicians and Associate Professionals
Sub-Major Group
33
Business and Administration Associate Professionals
Minor Group
332
Sales and Purchasing Agents and Brokers
Unit Group
3321
Insurance Representatives
Minor Unit Group
MASCO Code
3321-02
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Insurance Underwriter evaluates an insurance application to determine the level of risk and set the terms and conditions of a policy. They analyse an applicant’s information, financial or business data, and a potential claim to ensure accurate policy issuance and appropriate premium pricing. The underwriter may specialise in an area such as life, health, commercial, reinsurance, or mortgage insurance, working to minimise risk and maintain the financial stability of an insurance company.
Tasks
Assess insurance applications and supporting documents to determine appropriate coverage terms and conditions.
Analyse applicant risk factors, history, and supporting documentation to evaluate insurability accurately.
Determine policy acceptance, modifications, or rejection following established underwriting guidelines.
Liaise with insurance agents and brokers to obtain additional information required for underwriting decisions.
Provide recommendations on policy approval, coverage limits, and premium terms.
Maintain accurate records and documentation of underwriting assessments and decisions.
Ensure underwriting activities comply with industry regulations, company policies, and compliance standards.
Skills
Basic
Attention to detail and organisational skills.
Critical thinking and problem-solving skills.
Excellent communication and interpersonal skills.
Proficiency in Microsoft Office applications.
Strong analytical and decision-making abilities.
Specific
Ability to collaborate with medical consultants and other specialists to support underwriting decisions.
Apply underwriting guidelines and insurance regulations in assessing risks.
Assess medical information and terminology for insurance purposes.
Interpret and apply insurance policy terms and conditions accurately.
Proficiency in evaluating financial statements and using risk assessment tools for underwriting purposes.
Use underwriting software and related systems efficiently.
Additional Info
QUALIFICATION
Bachelor’s degree or equivalent
Related Courses
Claimable Course
e-Latih Online Course
Madani TVET Course
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