Usually, a Life Insurance agent. It can be more narrowly defined as a risk appraiser. An employee of a Life insurer who screens the applications submitted. He may accept an applicant, reject him, or propose an alternative policy or premium. (LI)
This term can apply either to an agent who sells life insurance at the field level or to a home office employee whose job it is to evaluate the risk an insurance company is being asked to undertake. (See also: agent or underwriter.)
The employee of an assurer who is responsible for considering the terms on which life assurances can be accepted / A life assurance salesperson (U.S.).