• Appraises and underwrites applications for insurance to assess mortality and morbidity risk with company guidelines to assure equitable treatment of policyholders and producers and to meet the company's financial objectives. • Determines whether to accept, modify or decline a risk through evaluation of an individual's medical history or physical condition, occupational hazards, financial background, insurable interest and other information pertinent to the decision. • Consults with superiors or medical department concerning any questionable medical or personal situations. • Has contact with the field force to gather information on which to base decisions. • Has authority to approve cases up to specific standard and substandard limits. • Provides leadership to managers and professional staff. • Develops departmental plans, including business, production and/or organizational priorities. • Decisions are guided by resource availability and functional objectives. • Requires comprehensive understanding of concepts and principles within own family and knowledge of others.