Sr. Life Underwriter

Location: Remote in Michigan, United States

Company

hirify.global is a financial services firm providing life insurance underwriting and related advisory support.

What you will do

• Evaluate new business, reinstatements, and coverage change requests using medical, financial, occupational, travel, and lifestyle information.
• Determine underwriting requirements, order medical examinations or assessments, and establish appropriate premium classifications.
• Analyze MIB data, medical records, financial documents, and motor vehicle reports to assess applicant risk.
• Communicate underwriting decisions and reconsideration guidance to financial advisors, Insurance Planning Specialists, and Internal Sales Consultants.
• Document cases, manage workload, refer cases to reinsurance or senior medical and underwriting authorities, and prepare approval, decline, advisory, and confidential medical correspondence.
• Contribute to underwriting policy, procedure, and system improvements while monitoring legislation, industry trends, and best practices.

Requirements

• Minimum 5 years of life insurance underwriting experience.
• AALU designation required.
• Strong knowledge of medical and financial underwriting principles.
• Proficiency in interpreting underwriting manuals, legislation, and insurance product provisions.
• Exceptional analytical and risk assessment skills with the ability to manage complex cases and make sound, independent decisions.
• Strong written and verbal communication abilities.
• Proven leadership and mentoring capabilities.
• Completed bachelor's education in Business Administration, Finance, or Marketing.
• Securities Industry Essentials Exam certification from FINRA.

Nice to have

• Actively pursuing FALU and/or FLMI designation.

Culture & Benefits

• Remote work arrangement in Michigan, United States.
• Less than 25% travel.
• Collaborative and experienced underwriting team with opportunities to influence underwriting strategy and policy.
• Support for continued professional development and certification.
• Benefits may include medical, dental, vision, life, critical illness, accident, disability, retirement savings, paid time off, holidays, sick leave, and parental leave.
• People-first culture centered on developing, collaborating, deciding, delivering, improving, integrity, independence, and a client-first approach.