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Wardah FazalWF
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Wardah Fazal

@wardahfazal

Reinstatement Underwriter at EFU Life Assurance Company Limited, improving policy reinstatement processes and premium collection.

Pakistan
Message

At EFU Life Assurance Company Limited, I underwrite reinstatement cases and review medical reports, ensuring policies meet company guidelines and regulatory requirements.

I suggest improvements to address technical gaps in the reinstatement process, with the aim of reducing turnaround time and increasing premium collection. I also conduct underwriting audits and train new employees.

At EVEREST X, I managed recruitment from sourcing through negotiation, using LinkedIn Recruiter and Ripple Match to connect candidates with roles for US clients.

Experience

Work history, roles, and key accomplishments

EL
Current

Reinstatement Underwriter - Assistant Manager

EFU Life Assurance Company Limited

Jan 2026 - Present (9 months)

Oversee end-to-end policy reinstatement processes ensuring compliance with company guidelines and regulatory requirements. Underwrite medical cases and review reports for medical underwriters, and suggest improvements to reduce TAT and increase premium collection.

EL
Current

Reinstatement Underwriter - Executive Officer

EFU Life Assurance Company Limited

Feb 2025 - Present (1 year 8 months)

Train new employees to ensure smooth integration into the team. Conduct quarterly underwriting audits and maintain individual and team KPIs for smooth operations.

EL

Reinstatement Underwriter - Senior Officer

EFU Life Assurance Company Limited

Mar 2024 - Feb 2025 (11 months)

Underwrote policies whose risks were suspended due to late receipt of premium. Processed payments and assessed relevant documents for reinstatement, and maintained reinstatement databases on a daily basis.

Education

Degrees, certifications, and relevant coursework

SZABIST University logoSU

SZABIST University

Master's in Management Sciences, Management Sciences

Grade: 3.5 GPA

Activities and societies: Chancellor's Honor Roll

Completed a Master's in Management Sciences with a 3.5 GPA and received the Chancellor's Honor Roll.

SZABIST University logoSU

SZABIST University

Bachelor's in Business Administration, Business Administration

Completed a Bachelor's in Business Administration.

Tech stack

Software and tools used professionally

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