ANGELA MCMORROW
WOODBURY
Summary
Hard-working professional with extensive experience in production and forensic underwriting, ready to deliver impactful results. Skilled in risk assessment and identifying material misrepresentation. Known for effective team collaboration, adaptability, and results-driven approach. Exhibits analytical thinking, integrity, and exceptional problem-solving abilities.
Overview
34
34
years of professional experience
Work History
Forensic Underwriter
Brighthouse Financial
08.2019 - Current
- Evaluate post-issue policies to identify material misrepresentation and determine grounds for policy rescission to mitigate risk
- Collaborate with rules team to identify automated rule updates to ensure optimal throughput and underwriting accuracy
- Collaborate with legal team and special investigations unit on rescission processing and maintain detailed records of policy rescission
- Train and mentor new team members on forensic process and data capture
- Led project to streamline forensic workflows and reduce cost
- Second-level quality reviews of new underwriters to ensure accuracy and adherence to guidelines
- Conducted research and analysis of long-term care guidelines, producing evidence-based recommendations that enhanced underwriters' ability to evaluate morbidity risk
- Contributed to the successful creation and deployment of a new life insurance application
Senior Underwriting Consultant
Metlife/Brighthouse Financial
10.2015 - 08.2019
- Evaluated financial and medical risk with $20 million retention
- Analyzed complex insurance applications to ensure compliance with company guidelines and standards
- Coached and supported junior underwriters, ensuring adherence to best practices and fostering their professional development
- Excelled in quality audit results, reflecting a steadfast commitment to excellence.
Lead Life Underwriting Specialist/Senior Underwriting Consultant
Prudential / Hartford Life
01.2006 - 10.2015
- Financially and medically underwrote individual life insurance with $5.0 million retention at Hartford to retention of $15 million at Prudential on informal applications for all risk classes to include uninsurable risks on joint policies
- Reviewed reinstatements and in-force policy change face increases and rate reductions
- Managed daily queue volumes, directing workflow to effectively meet objectives
- Provided mentorship to less experienced underwriters, enhancing team competence and performance
- Trained to interpret normal EKG’s
- Excellent quality audit results
Senior Underwriter
American Express Financial Advisors
08.1999 - 01.2006
- Proficiently underwrote individual life and disability income insurance, with $1.5 million retention for life and a $5000 monthly retention for disability income
- Responsible for timely work-pull management of 250-300 pending applications
- Participated on pilot projects for new system tools
- Presented to field force on guidelines and processes
Underwriter
American Express Financial Advisors
08.1997 - 08.1999
- Individual life retention: $500,000 to Table D
- Individual disability retention: $3500 per month to Table B
- Responsible for accurate risk assessment and documentation of thought process
Insurance Case Manager
American Express Financial Advisors
04.1995 - 08.1997
- Processed new business applications and issued insurance contracts
- Provided customer service to the field force relating to insurance applications
- Processed communication to sales force and clients
- Involved in mentoring, training and quality checking
Consumer Loan Servicing
Investors Bank
01.1992 - 01.1995
Education
Bachelor of Science - Mathematics
University of Wisconsin, River Falls
River Falls, WI01.1992
Skills
- Experienced underwriter with 30 years in the insurance industry
- Detail-oriented with excellent analytical and risk selection aptitude
- Multi-tasking ability in a fast-paced environment
- Professional verbal and written communication
- Strong leadership ability
- Adapts quickly to change
Timeline
Forensic Underwriter
Brighthouse Financial
08.2019 - Current
Senior Underwriting Consultant
Metlife/Brighthouse Financial
10.2015 - 08.2019
Lead Life Underwriting Specialist/Senior Underwriting Consultant
Prudential / Hartford Life
01.2006 - 10.2015
Senior Underwriter
American Express Financial Advisors
08.1999 - 01.2006
Underwriter
American Express Financial Advisors
08.1997 - 08.1999
Insurance Case Manager
American Express Financial Advisors
04.1995 - 08.1997
Consumer Loan Servicing
Investors Bank
01.1992 - 01.1995
Bachelor of Science - Mathematics
University of Wisconsin, River Falls
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