This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description AAA Life is seeking a Life Insurance Underwriter that will analyze, evaluate and classify risk for life insurance applications. This underwriter will determine whether to approve, modify or decline a risk through evaluation of an individual's: - Medical history or physical condition - Occupational hazards - Financial background - Insurable interest - Other information pertinent to the decision This role involves contact with the field sales team, customers, and vendors to gather information on which to base decisions. The underwriter has the authority to approve cases up to specific standard and substandard limits. Note: Mortgage underwriting experience will NOT be considered. Call volume on average is about 4-6 calls a day. Regular late night is 1 day every other week. Friday night late nights are rotated which is about 1 per quarter. Responsibilities - Reviews for acceptance or denial of assigned life applications with face amounts up to $1,000,000 fully underwritten. - Determines and assures that appropriate information necessary to fulfill underwriting requirements has been requested such as: - Re-examinations - Special exams - Medical reports - Database research - Investigations - Laboratory studies - Interprets MIB codes and prepares data and reports to the Medical Information Bureau, which involves knowledge of MIB code meanings and procedures. - Provides support for contract change and reinstatement underwriting that may be required. - Prepares presentations for underwriters or sales agents that assist with training and development. Qualifications - 2 year College Degree in Finance, Business or Economics - 1-2 years’ Life Insurance industry experience (sales experience or strong life insurance sales support and training) - Knowledge of life and annuity sales strongly preferred - Proficient in Microsoft Word, PowerPoint and Excel - Strong communication skills – verbal and written - Ability to provide strong customer service - Possesses some technology knowledge of insurance system applications and data - Works well in a team environment - Demonstrates proactive skills - Willingness to work extended hours and weekends, if required - Team player and self-starter, highly motivated, and results driven - Ability to effectively function in a fast-paced team environment - Demonstrates a high level of independence and creativity, and looks for opportunities to initiate and follow through on new projects and opportunities - Strong organizational and follow-up abilities - Ability to thrive in fast-paced challenging environment Requirements - Ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements. - Reasonable accommodation will be made for otherwise qualified applicants as needed to enable them to fulfill these requirements. Benefits - We are committed to ensuring equal employment opportunities for all job applicants and employees. - Employment decisions are based upon job-related reasons regardless of an applicant's race, color, religion, sex, sexual orientation, gender identity, age, national origin, disability, marital status, genetic information, protected veteran status, or any other status protected by law. - AAA Life Insurance Company does not offer immigration sponsorship for this position.

• Underwrites and manages a book of business of highly complex, specialty accounts • Assists with the development and execution of strategic initiatives for growth and profitability • Maximizes opportunities for underwriting profitable new and renewal business • Develops and maintains an active target account list • Manages financial performance of assigned territory • Executes underwriting strategy as determined by management • Develops superior working relationships with producers • Regularly travels to key producers/accounts

• Drives sales and branch operational goals in partnership with the Branch Manager. • Develops programs to promote new products, reposition existing products and integrate diverse corporate philosophies to support overall marketing and Underwriting efforts of the branch. • Maintains a thorough knowledge of the geographic territory assigned with regard to production sources, competitor activity, and economic and demographic idiosyncrasies. • Manages marketing research to help identify opportunities for management, product enhancements, new distribution channels and new geographic markets with growth potential. • Leverages current and emerging industry information to enhance team member production and branch operations. • Monitors WCIRB/NCCI rulings, forms and coverage changes or updates. • Develops business acumen in the areas of internal organization goals and strategies, leadership skills, sales techniques, negotiation abilities and other related topics to share with assigned team members or branch team members as needed. • Underwrites assigned branch team members’ Worker’s Compensation accounts, drives assigned team member profitability and manages own profitable book of business. • Sells, services and maintains a producer force that can sell and control a profitable and growing book of business. • Develops and leads a team of Branch WCU professionals.

• Take full accountability for underwriting outcomes across multiple lines, segments, and channels. Jointly drive growth, profitability, and loss ratio management. • Define underwriting appetite, pricing, coverage standards, and referral thresholds. • Review high-impact and high-growth risks, ensuring decisions scale without sacrificing quality. • Partner with Data and Product teams to test new underwriting signals. • Design controlled experiments and move successful signals into standard underwriting rules. • Identify profitable growth opportunities and maintain underwriting speed at scale. • Partner strategically with Business Development to unlock expansion. • Mentor and grow underwriting managers and senior underwriters. • Build a culture of accountability, learning, and disciplined judgment. • Serve as a senior underwriting point of contact, embedding carrier guidelines and capacity into everyday decisions.