Sr Analyst, Underwriting - Life (Small & Emerging Markets)

Location: Remote within any of the lower 48 U.S. states

Salary: $69,500–$129,000 annually; expected starting range: $69,500–$103,500

Company

A Fortune 100 financial services company providing insurance and financial protection products for individuals and businesses.

What you will do

• Evaluate, select, and classify mild to moderately complex life insurance applications using medical and non-medical underwriting practices.
• Assess additional evidence of insurability and authorize medical examinations, blood profiles, physician reports, interviews, and other underwriting requirements.
• Apply accelerated and fluid-less underwriting methods, alternative medical information sources, and risk-based decision-making to determine risk classes.
• Evaluate personal and business financial information, establish insurable interest, and support appropriate policy offers.
• Coordinate automatic and facultative reinsurance within treaty terms and market practices.
• Collaborate with field partners, medical staff, senior underwriters, consultants, and chief underwriting personnel while resolving underwriting challenges.

Requirements

• At least 2 years of underwriting experience, a medical background, or completion of an underwriting training program.
• Knowledge of human anatomy, disease processes, mortality and morbidity risk, and life insurance risk classification.
• Foundational financial underwriting skills, including evaluation of life financial supplements, beneficiary situations, buy/sell agreements, and foreign risks.
• Basic knowledge of life insurance products and reinsurance, with the ability to work with facultative reinsurance partners.
• Strong verbal and written communication, analytical judgment, organization, and customer service skills.
• Underwriting authority includes signing up to $3,000,000 for life insurance, with limited morbidity and Intelligent Underwriting exception authority.

Nice to have

• Undergraduate studies in a medical discipline, marketing, insurance, risk management, economics, finance, or business management.
• LOMA Level 1 Certificate or participation in or attainment of ALU Level 1 certification.

Culture & Benefits

• Fully remote work with autonomous decision-making and opportunities to interact with financial professionals and field partners.
• Medical, dental, and vision coverage, life insurance, and short- and long-term disability coverage.
• Paid time off, nine paid holidays, Lifetime paid time off, and Unity Day paid time off.
• 401(k) with company match and a company-paid pension plan.
• Some non-standard hours and travel may be required.