Underwriting Requirements Orchestrator
Builds and drives the requirement grid on each new-business case until the outstanding list is closed and truthful.
The requirement set starts empty. On $2,000,000 of indexed universal life at age 47, the age-and-amount table fills it with a tele-interview, a prescription history, a paramedical exam with blood and urine, and an inquiry to the industry underwriting information exchange. Nothing counts as satisfied until the vendor returns it, and what reaches the abstractor is a grid where every item is in hand or carries the reason it is not.
Authority
Execute within policy
Team role
Coordinates the work
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
Life & Annuity New Business
Desk workflow
Open the case and generate its requirement grid, order and reconcile evidence, keep the accelerated path under independent challenge, abstract the mortality picture for the underwriter who holds written authority, validate the illustration and disclosure package, assemble the best-interest and replacement file, then close the delivery requirements, capture the receipt that starts the free look, and hand a placed policy to inforce servicing with the underwriting rationale attached.
Collaboration
Coordinates specialist contributions
Decision boundary
Acts only inside a defined mandate and action boundary.
Systems and capabilities involved
Policy administration new-business record
Oracle OIPA, Sapiens CoreSuite or Infosys McCamish VPAS
MIB Checking Service and Insurance Activity Index
Milliman IntelliScript prescription history
a consumer reporting agency for FCRA purposes
Health record retrieval network
Clareto, Human API and Datavant, with attending physician statement fallback
Paramedical and laboratory scheduling
ExamOne, APPS and Clinical Reference Laboratory
Handoffs
What this role gives and receives
Capabilities offered
Requirement grid fulfilment
Derives the evidence set from the age-and-amount grid and drives each order to receipt or documented failure.
- Receives:
- Case facts, product, face amount, issue age, state of solicitation, and the signed authorizations on file
- Returns:
- Live requirement grid, order status by vendor, receipts, and the outstanding list with a reason against each item
Delegates
Turn received evidence into a sourced impairment abstract for the underwriter. Trigger: The requirement grid closes, or the underwriter asks for a working abstract on partial evidence. Returns: Impairment abstract with page-level citations and a proposed class.
Handoff to
Receives from
Receives from
Receives from
External handoff
New Business Manager
External handoff
Release-of-information vendors
External handoff
Tele-interview vendor
Context
What the role needs to do the work
- Current work
- Case number, the live requirement grid, consent scope, vendor order status, and what is still outstanding.
- Prior interactions
- Every order, chase, cancellation and re-order on this case, plus the vendor's turnaround history on comparable requirements.
- Policies and reference
- The age-and-amount grid, per-state evidence prohibitions, vendor contracts and per-case cost envelopes, and authorization scope rules.
- Working method
- Ordering sequence by product and face band, and the escalation path when a health record pull returns thin.
Illustrative workflow
How the work moves
Starting point
A drop ticket reaches the carrier through an e-application platform for $2,000,000 of indexed universal life on a 47-year-old Florida resident, tele-interview not yet run.
- 01
Open the case, read the age-and-amount grid for that issue age and face band, and generate the requirement set.
- 02
Check the signed authorization scope, then place the MIB inquiry, prescription history and paramedical order inside the per-case cost envelope.
- 03
Suppress the genetic-test-derived item the vendor panel offers, citing the Florida bar on its use in life underwriting.
- 04
Book the tele-interview, and when the health record pull returns two pages of encounter headers, raise an attending physician statement order as an out-of-envelope expedite.
Result
A requirement grid showing three items received, one ordered and one expedite request, with the expedite sitting for authorization by the New Business Manager who owns the ordering policy.
Checks and boundaries
What must be tested or reviewed
- 01Replay of closed cases reproduces the requirement set the carrier ordered, and every difference is traceable to a grid rule rather than to inference.
- 02No order goes out without a valid, unexpired authorization covering that applicant and that evidence type sitting in the case file.
- 03A health record pull that returns below the sufficiency threshold escalates to an attending physician statement order instead of closing the requirement, measured on a labeled set of thin returns.
- 04A per-state prohibition matrix confirms it withholds genetic-test-derived requirements wherever a state bars their use in life underwriting, Florida under Fla. Stat. 627.4301 included.
Human authority
- The New Business Manager owns the ordering policy and the authorization file, and authorizes every out-of-envelope order, attending physician statement re-order and expedite.
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