Consultant II, Underwriting - Life (Long Term Care)

Location: Remote or hybrid within any of the lower 48 U.S. states. Some travel and non-standard hours may be required.

Salary: $108,000–$200,000 annually; expected starting range: $108,000–$162,000.

Company

hirify.global is a Fortune 100 insurance and financial services company helping individuals and businesses prepare for and protect their futures.

What you will do

• Evaluate, select, and classify complex medical and non-medical life insurance applications within delegated underwriting authority.
• Assess medical, financial, mortality, and morbidity risks and determine appropriate evidence of insurability and risk classifications.
• Apply accelerated and fluid-less underwriting methods, including alternative sources of medical information.
• Negotiate and coordinate automatic and facultative reinsurance within treaty and product requirements.
• Handle unusual or challenging cases, consult with medical and senior underwriting experts, and support underwriting quality.
• Lead projects and training, educate internal and external partners, and mentor less experienced underwriters.

Requirements

• Long Term Care Underwriting experience is required.
• Ten years of life underwriting experience.
• Experience with complex medical and financial underwriting, insurance risk assessment, and reinsurance.
• Ability to make highly complex decisions independently with minimal direction and handle ambiguity.
• Strong analytical, critical-thinking, negotiation, communication, presentation, and conflict-resolution skills.
• Employer-sponsored work authorization is not available; the position does not participate in the STEM OPT Extension program.

Nice to have

• AALU designation or participation in professional studies such as CLU or FLMI.
• EKG certification.
• Undergraduate studies in medicine, insurance, risk management, economics, finance, or business management.

Culture & Benefits

• Hybrid or remote work options within the eligible U.S. states.
• Medical, dental, and vision coverage, life insurance, and disability coverage.
• Paid time off, paid holidays, Lifetime paid time off, and Unity Day paid time off.
• 401(k) with company match and a company-paid pension plan.
• Inclusive workplace focused on collaboration, professional development, and employee support.