About the role

• Participate and collaborate in day-to-day business to develop the portfolio of Life Individual DM and Life Individual Non-DM with the underwriting process by ensuring it complies with the goals and objectives of production and profitability. Professionals with abilities towards proactivity, engagement and commitment are preferred.
• Underwriting: awareness of risk analysis and pricing which includes rate building, pricing methodology, claims process and requirements.
• Communication: strong ability to open communication and develop peer relations.
• Problem-solving: defining the problem, generating alternatives, evaluating, and selecting alternatives and implementing solutions.
• Negotiating: distribution abilities and negotiation skills to drive results towards sales targets.
• Operational support: optimizing work processes, identifying areas of opportunity to reduce variances in organization's processes, delivering high quality products and services meeting needs and requirements from internal and external customers based on delivering solid & consistent results.

Responsibilities

• Reports to the Life Manager, responsible for doing the underwriting process for DDM campaigns, support our DDM channels with all A&H commercial strategies, with priority, but not limited, on DDM business.
• Responsible for establishing good sponsors with brokers and caring about attracting new accounts and looking for the increase in sales in Life business.
• Analyze the potential businesses identified by the Distribution and/or Mass Dept. requested by the Brokers / Sponsor.
• Prepare the final quote and attractive renewal conditions for the Sponsor / Client and convenient for the company in terms of profitability and risk exposure according to their level of authority
• Preparation of the Referral and authorization request in case the quote values ​​exceed the local authority.
• Preparation of the Non-Standard Compensation document for PCC approval
• Present the final quote to the commercial team, or together with the commercial executive, the Broker or Sponsor, when required.
• Negotiate policy conditions (new or renewals) reaching agreements as required by the Broker / Sponsor, always within the margins allowed by the company.
• Provide technical advice to the Broker/ Sponsor or Client when required.
• Generate and send the issuing request to the Operations Department for the issuance of policies.
• Verify the correct allocation of the products within the guidelines of the company.
• Carry out negotiations with assistance providers, within the benefits that are sought to be incorporated into our products.
• Generate, analyze, and present monthly subscription reports, key business indicators, and the massive portfolio.

Profile

• Training: 3rd level degree in careers such as: Business Administration, Finance, Economics, or related careers.
• Experience: 3 years of experience in similar positions in areas such as underwriting.
• Specialized Knowledge: Technical knowledge of insurance and underwriting of health care, life, and personal accident insurance products.
• Ingles level knowledge: medium (70%).
• Utilities: Advanced Excel.
• Proper communication, listening skills and interpretation.
• Ease of dealing with rejection.
• Efficient time management.
• Persistent.
• Ability to work as a team.
• Strong problem-solving skills.
• Willing and able to adapt to change.
• Ability to perform multiple tasks and work under pressure.

At AIG, we value in-person collaboration as a vital part of our culture, which is why we ask our team members to be primarily in the office. This approach helps us work together effectively and create a supportive, connected environment for our team and clients alike.

Enjoy benefits that take care of what matters

At AIG, our people are our greatest asset. We know how important it is to protect and invest in what’s most important to you. That is why we created our Total Rewards Program, a comprehensive benefits package that extends beyond time spent at work to offer benefits focused on your health, wellbeing and financial security—as well as your professional development—to bring peace of mind to you and your family.

Reimagining insurance to make a bigger difference to the world

American International Group, Inc. (AIG) is a global leader in commercial and personal insurance solutions; we are one of the world’s most far-reaching property casualty networks. It is an exciting time to join us — across our operations, we are thinking in new and innovative ways to deliver ever-better solutions to our customers. At AIG, you can go further to support individuals, businesses, and communities, helping them to manage risk, respond to times of uncertainty and discover new potential. We invest in our largest asset, our people, through continuous learning and development, in a culture that celebrates everyone for who they are and what they want to become.

Welcome to a culture of inclusion

We’re committed to creating a culture that truly respects and celebrates each other’s talents, backgrounds, cultures, opinions and goals. We foster a culture of inclusion and belonging through learning, cultural awareness activities and Employee Resource Groups (ERGs). With global chapters, ERGs are a cornerstone for our culture of inclusion. The talent of our people is one of AIG’s greatest assets, and we are honored that our drive for positive change has been recognized by numerous recent awards and accreditations.

AIG provides equal opportunity to all qualified individuals regardless of race, color, religion, age, gender, gender expression, national origin, veteran status, disability or any other legally protected categories.

AIG is committed to working with and providing reasonable accommodations to job applicants and employees with disabilities. If you believe you need a reasonable accommodation, please send an email to candidatecare@aig.com.

Functional Area:

UW - Underwriting:

AIG-Metropolitana Cia. de Seguros y Reaseguros del Ecuador S.A.