Summary
Overview
Work History
Education
Skills
Work Preference
Timeline
Generic
Open To Work

COURTNEY TOFT

Charleston,SC

Summary

Results-driven Senior Underwriting Professional with 15+ years of progressive experience in long-term care and life insurance underwriting. Proven expertise in medical risk analysis, application review, regulatory compliance, and agent support across remote and corporate environments. Recognized for high-volume case management (50-80 files daily), consistent accuracy rates above 98%, and delivering timely underwriting decisions that improve operational efficiency and client satisfaction. Strong communicator with demonstrated ability to collaborate cross-functionally and streamline underwriting workflows.

Overview

15
15
years of professional experience

Work History

Long-Term Care Underwriting Consultant

Northwestern Mutual Insurance
09.2019 - 06.2023
  • Evaluated 50-75 long-term care applications weekly, analyzing medical records, lab results, and prescription histories to determine risk classification while maintaining a 98%+ accuracy rate.
  • Rendered approval/declination decisions in strict compliance with underwriting guidelines, improving case turnaround time by 15%.
  • Partnered with 100+ agents nationwide, providing underwriting guidance, resolving documentation gaps, and supporting appeals to ensure efficient policy issuance.

Senior Associate, Long-Term Care Insurance Underwriter

New York Life Insurance
05.2018 - 09.2019
  • Conducted comprehensive underwriting reviews for high-volume caseloads, ensuring all medical and regulatory requirements were satisfied prior to final decision.
  • Applied advanced medical risk assessment techniques to evaluate complex health histories, reducing processing delays by 20%.
  • Maintained and updated underwriting databases, generated analytical reports, and collaborated with cross-functional teams to support appeals and escalations.

Senior Associate, Underwriting Account

Cigna Supplemental Benefits
Austin, TX
06.2017 - 05.2018
  • Reviewed and processed insurance applications, ensuring 100% compliance with underwriting standards and internal risk guidelines.
  • Analyzed medical documentation and prescription profiles to determine eligibility and risk exposure, contributing to improved portfolio quality.
  • Delivered timely agent communication and managed case correspondence, accelerating policy processing timelines by 10%.

Summary Underwriter

Examination Management Services, Inc.
04.2015 - 05.2017
  • Reviewed and summarized complex medical records to support underwriting decisions, maintaining high detail accuracy across 40+ weekly cases.
  • Entered underwriting data into internal systems with 99% data accuracy, generating reports for senior underwriting review.
  • Supported administrative underwriting operations, ensuring seamless workflow between medical review and final decision teams.

Long-Term Care Insurance Underwriter

New York Life Insurance
Austin, TX
07.2010 - 04.2015
  • Assessed insurance applications and medical documentation to determine eligibility, consistently meeting productivity benchmarks.
  • Approved or declined cases based on thorough risk evaluation aligned with company guidelines and state compliance standards.
  • Communicated underwriting requirements and case updates to agents, improving response efficiency and reducing incomplete submissions by 18%.

Office Assistant / Case Analyst

New York Life Insurance Company
Charleston, SC
07.2008 - 07.2010
  • Provided administrative and underwriting support to 100+ agents, ensuring accurate processing of life insurance applications.
  • Delivered high-level customer service, addressing inquiries and resolving case-related issues to maintain client satisfaction.
  • Coordinated cross-departmental communication to streamline case workflow and reduce processing backlogs.

Education

Bachelor of Science - Psychology

College of Charleston
Charleston, SC

Skills

  • Medical Underwriting & Risk Assessment
  • Long-Term Care Insurance Evaluation
  • Regulatory & Compliance Standards
  • Medical Records & Prescription Analysis
  • Risk Classification & Decision Authority
  • Underwriting Database Management
  • Agent & Broker Relationship Management
  • Data Entry & Reporting Accuracy (98%)
  • Appeals & Case Review Support
  • Customer Service & Stakeholder Communication
  • Microsoft Office Suite (Outlook, Word, Excel)
  • Process Improvement & Workflow Optimization

Work Preference

Job Search Status

Open to work

Salary Range

₦45000/yr - ₦200000/yr

Timeline

Long-Term Care Underwriting Consultant

Northwestern Mutual Insurance
09.2019 - 06.2023

Senior Associate, Long-Term Care Insurance Underwriter

New York Life Insurance
05.2018 - 09.2019

Senior Associate, Underwriting Account

Cigna Supplemental Benefits
06.2017 - 05.2018

Summary Underwriter

Examination Management Services, Inc.
04.2015 - 05.2017

Long-Term Care Insurance Underwriter

New York Life Insurance
07.2010 - 04.2015

Office Assistant / Case Analyst

New York Life Insurance Company
07.2008 - 07.2010

Bachelor of Science - Psychology

College of Charleston
COURTNEY TOFT