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International Medical Group Medical Underwriter in Indianapolis, Indiana

IMG is committed to creating a diverse environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, ethnicity, national origin, religion, gender, gender identity or expression, sexual orientation, genetic information, disability, age, veteran status, and other protected statuses as required by applicable law.

As one of the world's top International Medical Insurance companies, IMG helps individuals and companies of all sizes. Every second of every day, vacationers, those working or living abroad for short or extended periods, people traveling frequently between countries, and those who maintain multiple countries of residence use our products to give themselves global peace of mind®

We are looking to grow our teams with people who share our energy and enthusiasm for creating the best experience for travelers.


Responsible for the review and analysis of risk presented on individual applications for the Global product.


  • Review new business applications

  • Ask for and follow up on additional information needed for new business applications via phone, or email including:

  • Request medical records

  • Statement of Health

  • Premium authorizations as needed

  • Waiting on signed Flex or Pre-ex Riders

  • Previous Coverage Letter

  • Transfer Form

  • Eligibility

  • Confirmation of Info/additional info

  • Review medical records

  • Propose exclusionary riders and/or rate ups

  • Issue coverage with riders and/or rate ups

  • Decline coverage where needed and issued notifications regarding decline to offer coverage

  • Review Renewal forms

  • Review Renewal Change requests to ensure within guidelines

  • Calculate Rating based on any change requests

  • Ask for and follow up on additional information needed for renewals including:

  • Affidavit of Eligibility

  • Confirm residency

  • Confirm premium elections

  • Statement of Health

  • Affidavit of Eligibility & Audit Affidavits in 2nd and 3rd year renewals

  • Decline renewals where necessary and issue notification regarding decline

  • Answer emails from insured, agents, or internal staff regarding cases in the underwriting process.

  • Review reinstatements, obtain any missing information, and write report for UW manager to review for reinstatement approval or decline.


  • Minimum of 3 years? experience related to individual underwriting in an insurance environment

  • Strong analytical, risk-assessment, and problem-solving skills

  • Extensive background in medical terminology

  • High attention to detail

  • Excellent written and verbal communication and interpersonal skills

  • Self-motivated individual with proven ability to maintain positive attitude while working in a fast-paced environment

  • Ability to interpret risk based on application information received

  • Computer skills and proficient in operating common office equipment

  • Working knowledge Office 365 products ? including Excel


  • BA/BS in Insurance or related field is a plus

  • Insurance industry experience working with major medical products a plus


  • Comprehensive benefits package including Medical/RX/Dental/Vision insurance

  • 401k Plan with company match

  • Free employee parking

  • On site fitness center

  • Casual dress environment

  • Tuition reimbursement plan