Lead Underwriting Consultant

TL;DR

Lead Underwriting Consultant (Life Insurance): Underwrites and oversees selection of large complex life insurance applications with an accent on medical, financial, and chronic illness risk assessment. Focus on analyzing qualitative and quantitative data, approving coverage and pricing up to $15M, and ensuring profitability and adherence to standards.

Location: Remote - United States

Salary: $125,000 - $165,000

Company

Life insurance company with over 175 years of experience empowering individuals, families, and businesses through financial products and services.

What you will do

• Analyze qualitative and quantitative data to approve risk selection, coverage, and pricing for complex life applications.
• Evaluate applications including chronic illness riders, focusing on medical and financial risks.
• Resolve complex issues, review referrals, and provide signatures within approval limits up to $15,000,000.
• Select and classify risks per company standards, manage retention, and maintain profitable mortality experience.
• Participate in business planning, department initiatives, and major projects to improve productivity and profitability.
• Communicate with field and home office partners to deliver high-quality service.

Requirements

• Must be located in the United States for remote work
• College degree required (equivalent underwriting experience may be considered).
• FLMI, FALU, and ACS designations or current coursework required.
• 7-10 years of underwriting experience required.
• Highly developed knowledge of underwriting, medical science, financial factors, insurance products, and reinsurance.
• Strong analytical, organizational, communication, and interpersonal skills.

Culture & Benefits

• Flexible hybrid work approach based on role and personal preference.
• Commitment to Equal Employment Opportunity (EEO) and non-discrimination practices.
• Training and development opportunities, including regulatory and job-specific requirements.
• Collaborative team environment with focus on customer relationships and process improvements.