George Fulton

About George Fulton

As a dedicated business professional with diverse experience with a world class leader in the insurance sector. I am looking to utilize my skills in new endeavors. I have a broad spectrum of expertise includes both underwriting and technology process improvement. I thrive in fast-paced environments and leverages effective cross-functional collaboration to formulate tailored solutions to complex challenges. I have an uncompromising commitment to excellence, resourcefulness, and integrity.

Experience

1. Life Underwriting Associate

   Raymond James

   Aug 2013 — Present

   Review applications for Life Insurance, Disability Insurance, and Long-Term Care Insurance for submission to multiple carriers.Communicate underwriting decisions to financial advisors and provide guidance on future applications.Evaluate test results and summarize Attending Physician Statements (APS) using AI prior to submission to help manage financial advisors’ expectations.Reference both the Hanover Re and Swiss Re underwriting manuals to support case assessments and expectation management.Utilize tools such as Milliman Prescription History, Medical Claims, and the IRIX Analyzer to review client information.Provide underwriting support to Internal Wholesalers, External Wholesalers, and the Case Management Team.Present general underwriting topics during weekly Internal Wholesaler team meetings.Deliver educational presentations to the Case Management Team on a variety of underwriting topics, including:Mood DisordersGastric BypassGestational DiabetesMarijuana and Tobacco UseHeart Disease and CancerMIB and Prescription HistoryLife vs. LTC Underwriting DifferencesUnderwriting TerminologyOpioids, Alcohol, and Diabetes

Education

• Academy of Life Underwriting

  Life Underwriting

  2004

• Life Operations Management Association

  Fellow, Life Management Institute., Life Operations

  2003

Skills

• Loma 307
• General Insurance
• Whole Life
• Long Term Care Insurance
• Loma 290
• Insurance Knowledge, Medical Terminology,Regulatory Compliance,
• Long-Term Care
• Alu 101
• Risk Management
• Loma 301
• Process Improvement and Continuing Education
• Microsoft Excel
• Integrity of Financial and Medical Information
• Acs
• Universal Life
• Claim
• Term Life Insurance
• Brokers
• Financial Risk
• Reinsurance
• Loma 280
• Teleconferencing
• Avaya
• Microsoft Word
• Medical Terminology
• Acs 101
• Insurance
• Lotus Notes
• Leadership
• Disability Insurance
• Quality Assurance, Testing, Uat
• Analysis
• Alu 201
• Review of Application Information, Medical Test Results, and Backgound Checks
• Process Improvement
• Competitive Analysis
• Federal & State Regulatory Compliance
• Management
• Federal & State Regulations
• Underwriting