A field underwriter's main task is to?

The primary responsibility of a field underwriter is to ensure that an applicant's medical information is accurate and complete. This involves conducting interviews, collecting necessary medical records, and verifying the information provided by the applicant. Accurate and complete medical information is crucial because it allows the underwriter to assess the risk associated with insuring an individual appropriately. If the information is not accurate or is missing details, it could lead to improper risk classification, pricing, or could even affect claims processing in the future.

While assigning a risk classification and approving or declining an applicant are important steps in the underwriting process, these tasks typically follow the gathering and verification of complete medical information. Additionally, reporting to the Medical Information Bureau (MIB) is more of a function of underwriting activity rather than a primary task of a field underwriter; the focus remains on ensuring that all data related to an applicant’s health is correctly captured first.