What Is The Role Of A Life Insurance Underwriter? 
A life insurance underwriter assesses the medical condition of the proposed insured as well as beneficiary election and financial justification . Overall insurance justification establishes whether the amount of coverage and the beneficiaries of the application are warranted before moving forward in the underwriting process . The paramount issue is here is the economic loss suffered by beneficiaries at the death of the insured . The medical information of the proposed insured contains the attending physicians statements , the insurance exam results , prescription medications and the application answers to determine an underwriting offer . The collection of this data can be a time consuming process from 4-6 weeks . 