Brandon Morales
Conshohocken,PA
Summary
Accomplished Platinum Senior Life Underwriter with 4+ years of experience in medical and financial underwriting, complex risk assessment, and high face-amount case evaluation. Expertise in analyzing APS, labs, and financial data to identify nuanced risk factors and deliver accurate, evidence-based decisions. Recognized for consistent precision, effective collaboration with reinsurance partners, and contributions to underwriting guideline development.
Overview
7
7
years of professional experience
Work History
Platinum Senior Life Underwriter
Guardian Life Insurance
03.2025 - Current
- Manage full-cycle underwriting of complex life insurance cases up to $5M making independent, evidence-based risk decisions.
- Assess medical, financial, occupational, avocational, and lifestyle risk factors to determine insurability and appropriate risk classification.
- Consistently make independent risk decisions in alignment with company guidelines, reinsurance treaties, and regulatory requirements.
- Deliver high-quality underwriting outcomes, achieving 100% final risk accuracy while exceeding service-level and turnaround expectations.
- Partner strategically with reinsurance counterparts to structure competitive offers for cases exceeding retention limits, mortality thresholds, or market benchmarks.
- Effectively communicate across underwriting teams to promote collaboration and contribute to department discussions.
- Act as a resource for underwriting colleagues, providing guidance and support on complex or atypical cases.
Life Underwriter
Guardian Life Insurance
04.2023 - 03.2025
- Independently evaluated routine through moderately complex individual life insurance applications in accordance with assigned authority levels and established underwriting guidelines.
- Partnered closely with sales teams to communicate underwriting decisions, clarify evidence requirements, and provide guidance on case positioning and risk considerations.
Associate Underwriter
Guardian Life Insurance
10.2021 - 04.2023
Platinum Case Manager
Guardian Life Insurance
03.2021 - 10.2021
Operations Specialist
Guardian Life Insurance
11.2020 - 03.2021
Operations Generalist
Guardian Life Insurance
04.2019 - 11.2020
Education
Bachelor of Science - Business Administration And Management
Bloomsburg University of Pennsylvania
Bloomsburg, PA05-2017
Skills
- Financial Underwriting and Insurability Analysis
- Advanced Mortality & Risk Assessment
- Complex Case Negotiation with Agents and Advisors
- Laboratory & Exam Result Interpretation
- MIB & Prescription History Database Utilization
- Underwriting Rules Engines (APS, MVR, LifeGuide, Milliman IntelliScript, LabPiQture)
- Electronic Application (eApp) & End-to-End e-Process Platforms
Timeline
Platinum Senior Life Underwriter
Guardian Life Insurance
03.2025 - Current
Life Underwriter
Guardian Life Insurance
04.2023 - 03.2025
Associate Underwriter
Guardian Life Insurance
10.2021 - 04.2023
Platinum Case Manager
Guardian Life Insurance
03.2021 - 10.2021
Operations Specialist
Guardian Life Insurance
11.2020 - 03.2021
Operations Generalist
Guardian Life Insurance
04.2019 - 11.2020
Bachelor of Science - Business Administration And Management
Bloomsburg University of Pennsylvania