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Job Title :
Underwriting Specialist
Job ID :
Category :
Location :
PHHO-Manulife Philippines, Makati City PH
Job Type :
Full Time
Posted On :
Job Description :

Are you looking for unlimited opportunities to develop and succeed? With work that challenges and makes a difference, within a flexible and supportive environment, we can help our customers achieve their dreams and aspirations.

Job Summary:

This position is accountable for equitable and sound underwriting decision of all applications submitted (paid and unpaid) within turnaround time. The underwriter protects the company against uninsurable risk. This helps the company in meeting its growth and overall financial goal.


Oversees underwriting processes and provides supervision for the underwriters to ensure quality, fairness, and timely processing of all lines of new business insurance applications.

  • Check for completion of documents submitted
  • Sort and match requirements for underwriting
  • Classify occupation, assess the build, family history, financial, residential/geographical risk, and medical information. 
  • Order requirements to assess risk, i.e. Medical Examination, APS, blood test
  • Document the above information in CAS underwriting notes.
  • Conduct AML checks and when result is positive to liaise with NB’s AML Officer or Chief Underwriter
  • Discuss complex cases with more senior underwriter or medical consultant 
  • Underwrite all medical and complex cases, including ECI and HIB within the approval authority
  • Underwrite all medical and complex cases, including ECI and HIB referred by more junior underwriters
  • Underwrite all medical and complex cases, including ECI and HIB, beyond the approval authority with the proposed underwriting decision to be approved by the Team Leader or underwriter with higher authority limit or the Chief Underwriter
  • Possess basic knowledge of all insurance plans, riders, policy provisions and company policies.
  • For sub-standard cases, provide the loading and generate rated proposal and letter.
  • Update NB Tracking System and inform distributors on the underwriting decision through Inotify mail.
  • Prepare declined, postponed/deferred letter to include the refund check, if applicable
  • Report impairments to the Medical Information Bureau (MIB)
  • Check completeness of submitted documents
  • Conduct alpha search and consolidate total risks 
  • Encode cases in ISTAT Inquiry system
  • Assess cases and forward notice requirement to agents thru email.
  • When payment is made for cases with final decision, information will be encoded in CAS (NB Admin) and case will be issued.
  • Ensure all pending cases are properly filed on daily basis. 
  • Match incoming requirements to respective files. 
  • Re-assess cases with new evidences provided. 
  • Send notification mail to agents on status of pending case.
  • Calculate premium loading based on the substandard mortality rate provided by Actuarial
  • Update CAS and Generate rated proposal in eprop system
  • Prepare the exclusion endorsement to be signed by the proposed insured, if applicable
  • Send the rated proposal and exclusion, if any, to agent and his manager. Ensure details in the letters are accurate.
  • Inform New Business for MIB reporting.
  • Entertain walk-in inquiries and assist to resolve their concerns
  • Looks beyond customers’ immediate request and offers other helpful information or assistance.
  • Answer politely phone call inquiries 
  • Respond to email inquiries daily
PARTICIPATION in Monthly Case Discussion:
  • Participate in monthly case discussion. 
  • Attend UCA teleconference on monthly basis if any
  • Read CEP/IE notes and take and pass the examinations if any 
  • Provides training to Underwriters
  • Provides training to distributors on underwriting topics
  • Actively participate in seminars and other activities sponsored by Manulife.
  • Actively participate in seminars and others related activities by insurance affiliated associations/organizations.
  • Demonstrate working knowledge of business practices in relation to existing regulatory requirements.
  • Possess basic knowledge of all insurance plans, riders, policy provisions and company policies.
  • Acts as a consultant and resource for Underwriter Trainee, 1,2 & 3 on unusual or complex situations and co-signs cases (Sr. Underwriter and Sr. Consultant Underwriter)
  • Support Marketing/Agency activities (Sr. Underwriter and Sr. Consultant Underwriter)
  • Complete case reviews (Underwriter Trainee, 1,2 to Sr. Consultant Underwriter)
  • Other functions or tasks that may be assigned or delegated from time to time

  • Six years or more work related experience gained from an insurance or financial services company 
  • Excellent customer service orientation 
  • Good communication and interpersonal skills 
  • Personal qualities of integrity, credibility and strong work ethic 
  • Willing to be assigned in Iloilo
About Manulife
Manulife Financial Corporation is a leading international financial services group that helps people achieve their dreams and aspirations by putting customers' needs first and providing the right advice and solutions. We operate as John Hancock in the United States and Manulife elsewhere. We provide financial advice, insurance, as well as wealth and asset management solutions for individuals, groups and institutions. At the end of 2016, we had approximately 35,000 employees, 70,000 agents, and thousands of distribution partners, serving more than 22 million customers. At the end of 2016, we had $977 billion (US$728 billion) in assets under management and administration, and in the previous 12 months we made almost $26 billion in payments to our customers.
Our principal operations are in Asia, Canada and the United States where we have served customers for more than 100 years. With our global headquarters in Toronto, Canada, we trade as 'MFC' on the Toronto, New York, and the Philippine stock exchanges and under '945' in Hong Kong.
Manulife is committed to supporting a culture of diversity and accessibility across the organization.   It is our priority to remove barriers to provide equal access to employment.  A Human Resources representative will consult with applicants contacted to participate at any stage of the recruitment process who request an accommodation. Information received regarding the accommodation needs of applicants will be addressed confidentially.
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