Job Description Summary Job Description Under general supervision, facilitates underwriting process for life insurance applications submitted by financial advisors/agents. Specialist is responsible for coordinating requirements gathering on behalf of the insurance company, communicating with underwriter and financial advisor/agent as necessary throughout the process. Identifying issues and working to resolve favorably. Specialist works closely with Life Care Associate and other team members to ensure client satisfaction. All assigned job responsibilities and projects will be consistent with department policy guidelines and procedures. Essential Duties and Responsibilities Provide assistance to financial advisors/agents in completing life insurance applications Develop and maintain contacts at insurance carriers Keep abreast of product updates and underwriting guidelines Update life team on various issues related to underwriting Work with licensing team on issues related to submitted business Determine risk class quoted and review any medical information submitted with the application to ensure the PI currently qualifies for the quoted risk class Communicate with insurance company regarding submitted applications Update agency management system as case moves through underwriting process Provide status updates via email or phone to financial advisors/agents Review medical records to ensure all necessary items are received to avoid delay and to determine if quoted risk class will still apply based on information obtained in medical records Forward medical records to the carrier to match to client file and reviewed by the underwriter. Work with in-house underwriter to assess whether the risk class is appropriate based on information obtained and when cases are approved “other than as applied for” Assist financial advisor/agent in managing offers “other than applied for” Submission of informal applications for preliminary underwriting decision Review of underwriting decision updating internal record to reflect final benefit and premium amounts Back-up assistance for illustrations Second level review of submitted applications Request updated illustrations for cases issued “other than applied for” Performs other duties and responsibilities as assigned Knowledge of Advanced Knowledge of: Principles, practices, and procedures of general office concepts Policies that govern personal life insurance operations. Process flows within specific assigned functional area. Regulations for specific assigned functional area. Skill in Advanced Skill in: Communicating detailed information provided by insurance company to clearly provide financial advisors/agents with status and course of action Relaying information to insurance carriers to help ensure best offers are received for clients Identifying potential issues related to life insurance underwriting Operating standard office equipment and using required software applications to produce correspondence, reports, electronic communication, spreadsheets, and databases. Ability to Organize, manage, and track multiple detailed tasks and assignments with frequently changing priorities and deadlines in a fast-paced work environment. Use appropriate interpersonal styles and communicate effectively, both orally and writing, with internal associates and external contacts at all levels. Effectively gather all relevant information in order to analyze, research, and resolve business issues in order to make decisions. Analyzing data to identify discrepancies. Problem solving. Education/Previous Experience High School Diploma and a minimum of five (5) years experience in the areas of annuities, life insurance, long-term care, and/or disability income products or financial services industry or customer service. OR ~ Associates Degree and a minimum of one (1) year experience in the areas of annuities, life insurance, long-term care, and/or disability income products or financial services industry or customer service. Bachelors Degree Preferred. OR ~ Any equivalent combination of experience, education, and/or training approved by Human Resources. Licenses/Certifications Life, Health and Variable Annuities License is helpful but not required. Education High School (HS) Work Experience General Experience - 7 to 12 months Certifications Travel Less than 25% Workstyle Hybrid The total compensation for this position includes base salary or wages, and may include components such as additional compensation (cash or equity), discretionary bonuses, or commissions. This position is eligible for a benefits package that may include medical, dental, and vision; life insurance; critical illness insurance and accident insurance; disability benefits; retirement savings; paid time off (including vacation, holidays, and sick leave); and parental leave. Eligibility for benefits and specific offerings may vary based on position and employment status. To view more details of the benefits offered, visit Myrjbenefits.com. At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence and a conservative, long-term view. We expect our associates at all levels to: • Grow professionally and inspire others to do the same • Work with and through others to achieve desired outcomes • Make prompt, pragmatic choices and act with the client in mind • Take ownership and hold themselves and others accountable for delivering results that matter • Contribute to the continuous evolution of the firm At Raymond James – as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates. When associates bring their best authentic selves, our organization, clients, and communities thrive. The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs. #LI-JM1 Raymond James is a diversified financial services company providing wealth management, capital markets, asset management, banking and other services to individuals, corporations and municipalities. Founded in 1962 in St. Petersburg, Florida, rather than on Wall Street, we have always embraced being a different kind of financial services firm. Today, Raymond James has locations and subsidiaries across the United States, Canada, the United Kingdom and Germany, and is listed on the New York Stock Exchange under the symbol RJF. Thanks for your interest in working with Raymond James. While we might not have the perfect role for you today, we'd love to keep in touch. Join our Talent Network to stay up to date on career opportunities that may be a good fit for you. Our business is deeply focused on people and their financial well-being. We're committed to helping individuals, corporations and institutions achieve their goals, while also supporting successful professionals and helping our communities prosper. We believe doing well and doing good aren't mutually exclusive. As an established but ever-evolving company, you can start – or continue – growing your career here. We invest in you with wide-ranging benefits and the support of leaders and colleagues who care. From development opportunities and enriching networking groups to prioritizing diversity, inclusion and the power of different perspectives, Raymond James is where good people grow. Our people-first culture is outlined in our Culture Blueprint. Check it out to see why many choose to work at Raymond James – and why they stay.

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