Scott Spice
Western & Southern Financial Group
West Chester,Ohio
1
Certification
12
years of professional experience
Dynamic insurance underwriter with over 4 years of specialized experience in life underwriting and a robust 12-year background in the life and disability insurance sectors. Expertise includes analyzing medical, financial, and behavioral risks, supported by strong technical skills and a proven ability to evaluate creditworthiness and manage risk exposure effectively. Recognized for precision and reliability, consistently delivering impactful outcomes through meticulous risk assessment and policy analysis. A collaborative team player, adaptable to evolving challenges, dedicated to fostering teamwork while ensuring optimal results for clients and stakeholders.
Work History
Express Underwriter
4 Years 1 Month- AALU
- Authority limit up to $250,000 on various whole life, term and IUL products across multiple lines of business
- 4 years experience interpreting medical records, reviewing exam and lab results, financials, pharmacy database reports and motor vehicle history
- Established relationships with field representatives and reinsurance partners; communicated difficult decisions with clear and concise rationale
- Prepared case studies for team meetings to facilitate knowledge sharing; collaborated with in-house medical staff and senior underwriting on best practices
- Completed E-learning modules across multiple fields of study to expand knowledge and support informed decision-making
Multi-Life Disability Income Jet Issue Underwriter
4 Years- Managed enrollments for 100+ employer-sponsored disability income benefits programs, ensuring compliance and accuracy.
- Evaluated risk based on income and existing coverage, calculating benefits with replacement ratios to support informed decision-making.
- Processed high volume of applications with accuracy and strong attention to critical details.
- Supported agents and brokers regarding outstanding requirements and amendments
- Coordinated inter-departmental workflows and collaborated with cross-functional teams to maintain effective operations and a supportive work environment.
- Developed document transmittal forms, training and procedure guidelines, and outgoing email templates to facilitate clear and concise communication of expectations
Quality Specialist
3 Years 4 Months- Reviewed life and disability income insurance policy packages for compliance and accuracy to ensure product integrity.
- Created training materials and procedures, tested software platform upgrades, and led inter-departmental process focus groups to streamline operations.
- Enforced control procedures and verified compliance with state regulations to maintain high product quality standards.
11 Months
- Ensured business continuity minimizing lapsing contracts
- Utilized industry education resources to earn Fellow, Life Management Institute certification
- Created training guides and implemented procedural upgrades to improve operations
Education
Bachelor of Specialized Studies - Multimedia Writing
Skills
Risk assessment
Medical literacy
Detailed documentation
Agent/client support
Task prioritization
Regulatory compliance
Verbal/written communication
Team collaboration
Proven analytical skills
Certification
AALU, LOMA – FLMI, AIRC, ACS
Timeline
Express Underwriter
Western & Southern Financial Group
08.2022 - CurrentRead More
Multi-Life Disability Income Jet Issue Underwriter
Ohio National Financial Services
06.2018 - 06.2022Read More
Quality Specialist
Ohio National Financial Services
02.2015 - 06.2018Read More
Corporate Services
03.2014 - 02.2015Read More
Ohio University
Bachelor of Specialized Studies from Multimedia Writing
Read More