Generally consists of the following criteria: Appraises and underwrites applications for insurance to assess mortality and morbidity risk within company guidelines to assure equitable treatment of policyholders and producers and to meet the company's financial objectives. Approves, classifies and declines application on own signature. Provides guidance to the field force and home office staff regarding underwriting problems and requirements. Underwrites individual products only. Typically, attainment of CLU or FLMI is required. Up to a $10MM life authority limit and a $15,000 disability authority limit, 5-8 years’ experience.