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Lorri A.

Chorazy
(717) 824-4781
(717) 847-0742
Nickers111@comcast.net
SUMMARY: 20 years underwriting and contract experience including alternate funding with new issue and
renewal of group life, LTD, STD, ancillary and managed care coverages for 1 to 5,000 lives. Successful record of
client and representative interaction to sustain current and generate new accounts. Willing to relocate for the right
opportunity.
EXPERIENCE:
Consolidated Health Plans, Inc
Springfield, MA.
12/20/12 - 4/30/13
Senior Underwriter
Underwriting for college medical, dental, life and accident products for groups of 10 - 5,000 students
* Calculate appropriate renewal actions for all coverages and financial devices for inforce book
of business and work with internal representatives to suggest appropriate products and plan changes to
meet customer needs.
* Determine appropriate pricing of proposal requests for all coverages, including all forms
of financial devices and alternative funding.
* Assess inforce renewals for compliance with new federal laws concerning medical coverage.
Capitol District Physicians Health Plan
Albany, NY
5/20/03 10/11/11
Senior Underwriter
Underwriting for group medical and managed care products for groups of 10 5,000 employees
*Assess and determine appropriate pricing of proposal requests for all coverages, including all forms
of financial devices and alternative funding.
*Calculate appropriate renewal actions for all coverage types and financial devices for inforce book
of business and work with internal representatives to suggest appropriate products and plan changes to
meet customer needs..
*Determine new issue rates for all coverages and coordinate proposals with the field and the regional
marketing operations.
*Head and co-ordinate special projects for the underwriting department.
Mamsi
Rockville, MD
4/2002-4/2003
Senior Underwriter
Underwriting for small group medical, managed care and life products
*Assess and determine insurability and pricing of proposal requests for all groups ranging in size from 1 to
149 lives.
*Hold meetings with groups of brokers to discuss concerns with overall Mamsi strategy, commission
issues and proposed product design changes.
*Assemble and analyze statistical data regarding underwriting sales and results.

CareFirst - Blue Cross/Blue Shield of Maryland


Owings Mills, MD
3/1999-12/2001
Senior Underwriter
Underwriting for group medical, dental, life and managed care products.
*Assessed and determined appropriate pricing of proposal requests for all coverages, including all forms
of financial devices and alternative funding.
*Calculate appropriate renewal actions for all coverage types and financial devices for inforce book
of business.
*Work with internal representatives to suggest product and coverage options for customer cost reductions.
*Determine new issue rates for all coverages and coordinate proposals with the field and the regional
marketing operations.
The Guardian Life Insurance Company
Bethlehem, PA.
2/1996-3/1999
Senior Underwriter
Underwriting for group life, medical, dental and managed care products.
*Assessed and determined appropriate pricing of proposal requests for all coverages, including financial
devices and alternative funding.
*Calculated appropriate renewal actions for all products and financial devices for inforce book
of business.
*Worked with internal representatives to suggest product and coverage options for customer cost
reductions.
The Prudential Insurance Company of America
Sugarland TX.
1985-1996
Group Underwriter/Contract Technical Head
Group underwriting consisting of life, medical, dental coverages and managed medical products that
include HMO, EPO, Point of Service and Preferred Provider Organization plans.
*Analyzed plan changes and trends in medical costs. Evaluated financial devices including risk sharing,
APC's, flexible funding and ASO arrangements.
*Determined new issue rates for all coverages and coordinated proposals with the field and the regional
marketing operations.
*Priced and renewed a full range of group insurance products.
*Interacted with executive directors and marketing directors in evaluating managed medical financial
results.
*Managed medical operations, including financial arrangements with hospitals and physicians and
recognize how these impact pricing.
*Prepared insurance contracts, financial agreements, employee booklets and handouts for the full range of
Prudential's products. In depth research and analysis as well as strong technical and creative writing skills
required for this position.
*Reviewed and assessed all incoming work. Matched and assigned work to other associates with
appropriate skill sets for completion.
*Examined and proofed all insurance documents drafted by other associates before sending to clients.
*Prepared, researched and analyzed insurance forms for compliance with various states insurance
and governmental regulations.
*Provided answers to insurance related questions from clients and other departments of Prudential .

EDUCATION:
B.A., Millersville University, Millersville, PA
SPECIAL STUDIES:
Loma: Life Management Institute, Earned Fellowship Life Management Designation
HIAA: Health Insurance Association of America