Chad Lairmore
Tampa,FL
Summary
With a proven 18 year track record, I have excelled in underwriting and fostering agent relationships, significantly influencing business growth. My level of industry knowledge and exceptional communication skills ensure high-quality risk management and service standards.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Senior Underwriter
ENoah ISolution
Westlake Village, CA
08.2021 - Current
- Underwrite life products and riders for multiple leading carriers, evaluating individual risk levels, and providing competitive offers to meet the company's goals.
- Maintain SLA contract standards, and proposed new case handling practices to improve model results.
- Inspect financial statements, credit information and data driven reports to complete underwriting process.
- Prioritize AI framework based on impact and difficulty for adoption, implementing accelerated underwriting procedures.
- Facilitate a close working relationship with agents to provide accurate quotes for highly complex cases through clear, concise communication.
- Audit cases post issue to ensure that quality standards and SLAs are met and maintained.
- Coordinat with legal and financial experts to resolve underwriting issues.
- Examine documents to determine degree of risk from health, financial standing.
Senior Underwriter
Elite Sales Processing Inc. An RGA Company
Omaha, NE
08.2019 - 08.2021
- Underwrote life applications with multiple Riders to include LTC and DI with face amounts up to $6,000,000.
- Worked with multiple clients, ensuring high-quality standards were maintained, and fair and competitive rates were provided to qualifying applicants.
- Reviewed referrals and consultations from other underwriters, and provided feedback and second sign-off for decisions above their limitations.
Underwriter
Assurity Life Insurance
Lincoln, NE
10.2018 - 06.2019
- Underwrote term life insurance applications received through multiple vendors and brokerages.
- Authority of $1,000,000.
- Provided recommendations for risk management and insurance coverage.
- Maintained up-to-date knowledge of industry trends, regulations and compliance requirements.
- Analyzed risk and adhered to underwriting standards to drive risk selection and profitability.
Underwriter
Transamerica Life Insurance Company
Tampa, FL
06.2016 - 09.2018
- Underwrote life insurance policies, term life, and universal life with an approval authority of $1,000,000. Face amount, determined aggregate amounts, and eligibility for Long Term Care, Critical, Chronic, and Terminal Illness riders.
- Determined the applicant’s insurability from both a medical and financial standpoint through the review of their medical exam, labs, medical records, MIB, Rx checks, MVRs, as well as third-party financial reports, personal history interviews, and tax documents, as well as foreign and domestic residency documentation.
- I communicated with agents, World Financial Group (WFG) brokers, sales management teams, and support staff when additional requirements or explanations were needed to ensure the proposed insureds were given the best possible rate while maintaining and adhering to company standards, guidelines, and policies.
Underwriter
American Income Life Insurance Company
Waco, TX
11.2015 - 06.2016
- Worked remotely underwriting individual Life and Accident applications using available resources such as MVR's, exams and labs, Rx database, MIB, phone interviews, questionnaires, and medical records to determine total risk, applicable ratings, and applied exclusion riders when necessary
- Provided constructive feedback to our project management team to create and implement new processes for efficient case handling and develop new underwriting software
Group Life Underwriter
Aetna
Hartford, CT
09.2013 - 10.2015
- Underwrote group life and health insurance applications during companies open enrollment period and for new employees
- Worked remotely as a contracted underwriter
Insurance Claims Specialist
Protective Life Corporation
Brentwood, TN
04.2013 - 09.2013
- Worked in a team environment to determine policy benefits. Searched for beneficiaries and heirs in order to process claims.
Associate Underwriter
AIG American General
Brentwood, TN
03.2010 - 01.2013
- Underwrote applications for life and health insurance with an authority limit of $750,000.
- Examined documents such as application forms, inspection reports, motor vehicle reports, medical exams, lab results and medical records to determine degree of risk from factors such as applicant's age, occupation, habits, health, sources of income and claims history
- Reviewed company records to ascertain total amount of insurance in force on single risk or group of closely related risks, and evaluated possibility of losses due to excessive insurance
- Dictated correspondence with field representatives, medical personnel, and other insurance or inspection companies to obtain additional information, quoted rates and explained company's underwriting guidelines and philosophy
- When risk was excessive, or when risk was substandard, limited company's obligation by decreasing the policy face amount, added applicable endorsements, and applied rating to ensure
proper distribution of risks, using rate guides, calculators, code books, and other reference material
Underwriter Trainee
AIG American General
Brentwood, TN
03.2007 - 03.2010
- Underwrote applications for life and health insurance through $75,000.
- Evaluated the degree of risk involved, and approved, rated, or declined applications while complying with sound underwriting practices and judgment.
- Referred applications with a higher total face amount, or that required a higher complexity of underwriting, to a higher-level underwriter or medical director, with my recommendation for action to be taken.
Life & Health Insurance Agent
AIG American General
Brentwood, TN
08.2005 - 03.2007
- Worked with people to protect their quality of life and assisted them in planning for their future financial security
- I built a customer base that reflected my unique strengths and relationships.
Skills
- Time management
- Product knowledge
- Relationship building
- Post-issue audits
- APS/EHR review
- Excellent communication skills
- Influencing business growth
- Financial forecasting
- Quality assurance
- Managing risk
Languages
Laos
Professional
Spanish
Professional
Certification
. ALU 101, 201, FLMI Level I, LUTC Employee Benefits, State Insurance Life & Health producer licensing
. American College Life & Health Producer Licenses
Timeline
Senior Underwriter
ENoah ISolution
08.2021 - Current
Senior Underwriter
Elite Sales Processing Inc. An RGA Company
08.2019 - 08.2021
Underwriter
Assurity Life Insurance
10.2018 - 06.2019
Underwriter
Transamerica Life Insurance Company
06.2016 - 09.2018
Underwriter
American Income Life Insurance Company
11.2015 - 06.2016
Group Life Underwriter
Aetna
09.2013 - 10.2015
Insurance Claims Specialist
Protective Life Corporation
04.2013 - 09.2013
Associate Underwriter
AIG American General
03.2010 - 01.2013
Underwriter Trainee
AIG American General
03.2007 - 03.2010
Life & Health Insurance Agent
AIG American General
08.2005 - 03.2007
. ALU 101, 201, FLMI Level I, LUTC Employee Benefits, State Insurance Life & Health producer licensing
. American College Life & Health Producer Licenses
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