1. PAUL COLYER, FLMI, AALU
2426 20th Avenue N, Texas City, TX 77590
Cell: 409-974-0400
paulcolyer@att.net
Results-driven, highly qualified senior level Underwriting Consultant offering a distinguished career in life, health and
disability income underwriting for direct writing and reinsurance companies within general agent, captive agent, branch
manager and brokerage systems. Self-directed, deadline-oriented leader with an established track record in strategic
planning and profitable risk management. Tech savvy, organized professional adept at analyzing and summarizing
complex financial statements and medical records. Excellent communicator, understanding and meeting the needs of
organizations, businesses, insurance agents and customers.
FLMI (Fellow of Life Management Institute)
AALU (Associate Academy of Life Underwriting)
HIA (Health Insurance Associate)
Product development
Individual income tax analysis
Resting EKG interpretation
MIB awareness and usage
Project management
Time management
Several spreadsheet formats
MS Office Suite, Word Perfect, Open Office
Played key role in developing life, disability income and health insurance products, underwriting manuals and
guidelines.
Improved processes by coordinating underwriting functions in new computerized and updated systems, working
closely with IT department.
Managed, supervised and trained groups of up to 14 underwriters assuring quality of work.
Developed platform providing detailed technical and analytical review of federal and state small business (S
corp), partnership and individual tax returns for high dollar life and disability income insurance.
Leadership
Determine acceptance of individual life, health or disability insurance applications on a standard, substandard or
modified basis with rejection when appropriate.
Authorize reinsurance, decrease value or decline reinsurance depending on risk.
Full accountability to approve up to $2.5M life insurance single signature, $5M with 2 signatures and $20K for
disability income insurance.
As supervisor, review and sign off work of subordinates.
Financial Analysis
Perform financial analysis for high dollar life insurance as well as disability income applications.
Monitor and set budgets by leveraging accounting knowledge.
Conduct detailed technical and analytical review of federal/state individual and S corporation tax returns.
Medical Record Review
Review and assemble complete attending physician statements, lab reports, medical examinations, blood and
drug tests.
Outline and summarize medical and financial data.
Interface with insurance agents to quote rates, explain company underwriting policies or obtain further
information.
Risk Management
Request and review inspection reports and other third party data and information.
Identify and valuate degree of financial risk to company.
Specify applicable endorsements or apply rating to ensure profitable distribution of risks.
PROFESSIONAL SUMMARY
DESIGNATIONS AND CERTIFICATIONS
KEY SKILLS
ACCOMPLISHMENTS
EXPERIENCE

2. Texas City, TX
01/2013 to Current
COLYER, INC.
Consultant
Little Rock, AR
09/2001 to 06/2009
ARKANSAS BLUE CROSS BLUE SHIELD
Senior Underwriter
Lamoni, IA
06/1995 to 08/2001
SELF-EMPLOYED
Contract Underwriter
Concord, NH
04/1994 to 05/1995
CHUBB LIFE
Senior Underwriter
St. Louis, MO
11/1990 to 02/1994
NATIONAL CASUALTY INSURANCE
Underwriting Manager
Columbus, OH
12/1989 to 11/1990
ACCELERATION LIFE
Underwriting Manager
Denver, CO
06/1988 to 10/1990
GREAT-WEST LIFE ASSURANCE
Associate Manager
BACHELOR OF ARTS IN SOCIOLOGY
Graceland University, Lamoni, IA
Chartered Life Underwriter 1 & 2
Business letter writing courses
EKG Interpretation course
WORK HISTORY
EDUCATION
PROFESSIONAL DEVELOPMENT