Who is considered a field underwriter in life insurance?

A field underwriter in life insurance refers to an individual who is directly involved in the sales process and assessment of applicants for insurance policies. This role typically encompasses responsibilities such as gathering information about clients, evaluating their risk levels, and making recommendations based on the risk associated with insuring them.

Agents work on behalf of the insurance company to represent its products, guiding clients through the application process and providing relevant information for underwriting decisions. They also assist in collecting necessary documentation and help ensure that the application is completed accurately, which is essential for the underwriting process. By actively interacting with potential policyholders, the agent effectively serves as a crucial link between the insurer and the insured, fulfilling the role of a field underwriter.

The other roles listed, such as an insurance company, agency manager, and claims adjuster, do not directly engage in the application process to underwrite insurance coverage. The insurance company is the entity that offers policies, the agency manager oversees the operations of agents but is not directly involved in underwriting, and the claims adjuster deals with claims after a loss occurs, rather than at the application stage for new policies. Thus, the agent is the most fitting choice for the role of a field underwriter in life insurance.