Certified Associate - Life Insurance

Life insurance is a contract between a policyholder and an insurer where the insurer promises to pay a designated beneficiary upon the death of an insured person in exchange for premiums paid by the policyholder. Over the years insurance products have evolved as both critical risk management tools and savings instruments.


Skill Board Associate certification in Life Insurance evaluates candidates for fundamental knowledge of insurance policy lifecycle, products, distribution, underwriting of risk, policy administration, claims management, technology platforms and the skills to resolve common business problems in operations and technology that enable Insurance firms to deliver services to clients. The assessment is conducted through an online remote proctored test.


Candidates can choose between two certification options:


  • Certified Business Operations Associate (CBOA) - Life Insurance certification is issued to candidates with 1+ years of career experience in insurance business operations and successfully pass the assessment for the CBOA- Life Insurance certification.


  • Certified Business Technology Associate (CBTA) - Life Insurance certification is issued to candidates with 1+ years of career experience in insurance technology and successfully pass the assessment for the CBTA- Life Insurance certification.

Next available assessment date:

Jun 10
Online verifiable
Digital credentials verifiable via credly.com
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Who should get certified
  • Business Analysts with 2+ years of experience working in insurance. 
  • Developers and QAs with 1+ years of experience working on insurance. 
  • Business Operations Associates with 2+ years of experience working in insurance. 
  • Insurance professionals who are exploring careers opportunities in information technology.
Candidates are evaluated for
  • Understanding of principles of life insurance products, distribution and policy lifecycles.
  • Understanding of the underwriting process.
  • Understanding of policy administration & claims management.
  • Understanding of technology systems supporting the life insurance business process.
Maintaining the certification
  • Certified Associates are required to recertify after 3 years either by taking a recertification assessment or through continuing education credits.
  • Continuing education credits may be earned by taking industry certifications, participating in industry conferences including professional presentations and writing industry thought papers that get published on skillboard.org or other online forums.
Assessment weightage by Knowledge Area

Human Life Value & Insurance Basics

Insurance Principles, Human Life Value, Individual & Group Life Products, Riders, Annuities, Life Insurance Policy Lifecycles.


Product Development, Marketing & Distribution

Insurance Products, Distribution Channels, Marketing & Controls.


Pricing & Underwriting

Pricing Elements, Medical, Financial & Personal Underwriting, Standard Premiums, Rated-Up premiums, Underwriting Controls.


Policy Administration

Address Changes, Premium Payments Processing, Policy Termination & Reinstatement, Policy Conversion, Policy Assignments, Beneficiary Changes, Dividend Distributions, Policy Loans, Policyholder Communications.


Claim Administration

Claim Workflow, Evaluation, Investigation, Proceeds Approval and Settlement, Fraud and Denial, Administration and Controls.


Financial Management

Financial Accounting, Investment Management and Operations, Treasury Operations.



Reinsurance Basics and Administration.


Technology (for CBTA certification)

Functional Architecture, CRM Systems, Product & Policy Administration Systems, Billing and Payment Systems, Claims Management Systems, Correspondence Systems, Marketing Systems, Customer & Agent Education Systems, Accounting Systems, Human Resources Systems and Call Centre Systems.