*** ***** ***** *** 845-***-****

Rhinebeck, NY 12572 abp0y3@r.postjobfree.com

Frederick L. Hovasapian

Experience 2006-2008 Lincoln Benefit Life Lincoln, NE

Off site Underwriting-Through Kelly Services

Of large face amount trial applications on elderly applicants with an

underwriting authority of $5 million to age 75. Including review of new business

attending physician statements.

1995-2004 A.I.G. Milwaukee, WI

Allstate Life Insurance Co. Vernon Hills, IL

Banner Life Insurance Co. Rockville, MD

Liberty Life Dover, NH

William Penn Life Garden City,

NY

Contract Underwriter

Underwrite Life Insurance on both image and non-imaged systems through

reviewing, summarizing and ordering medical reports or other requirements

and arriving at an underwriting decision on preferred, standard and impaired

risk business.

1994 1995 Columbian Mutual Life Ins. Co. Binghamton, NY

Director of Underwriting

Responsible for mortality and morbidity results of Ordinary Life, Debit and

Disability Underwriting.

Trained and supervised seven Ordinary Life, Disability and Debit Underwriters.

Policy making-revising/liberalizing/updating underwriting requirements and

Field Manuals.

Underwriting complex cases and amounts in excess of $1 million.

Maintaining rapport with field force and reinsurers.

Providing underwriting presentations at sales conferences.

1977-1992 Metropolitan Life Ins. Co. New York, NY

Assistant Director of Underwriting

Reported to Vice President of Underwriting.

Establishing, designing and administrating a life insurance impaired risk

Shopping Program.

Interacting with re-insurers involved with the shopping program.

Underwriting large amounts of life insurance with authority up to $10,000,000.

Giving day-to-day advice to underwriters in various head offices.

Concurring on underwriting amounts of insurance in excess of the authority

limits of the various head offices, including brokerage office.

Auditing underwriting decisions at all head offices

Graduated from Columbia College-A.B. Degree-1957

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