Underwriting Consultant

Here's a glimpse of your responsibilities and the meaningful impact you'll create as the Underwriting Consultant:

• Independently evaluate and classify complex life insurance applications in accordance with company underwriting guidelines, mortality pricing assumptions, reinsurance agreements, and risk management practices.
• Assess medical, financial, occupational, avocational, foreign travel, residency, and other mortality risks while making well-supported underwriting decisions.
• Manage large and complex cases with underwriting authority of $5 million or greater without co-signature requirements.
• Serve as a senior technical resource by providing second-level reviews and co-signature support on cases that exceed other underwriters' authority limits or require advanced technical review.
• Partner with producers, distribution partners, internal sales teams, and Home Office associates to explain underwriting decisions, adverse actions, and financial determinations.
• Mentor and support other members of the Underwriting department through technical guidance and expertise.

• Competitive pay: Fair compensation for your hard work.
• Healthcare coverage: Comprehensive medical, dental, and vision from day one.
• Life insurance: Company-paid coverage for you and your loved ones.
• 401(k) plan: Matching contributions to help secure your financial future.
• Family support: Paid parental leave and reimbursement for adoption and surrogacy expenses.
• Work-life balance: Flexible time-off policy to recharge and pursue passions.
• Dress for your day: Express your style comfortably at work.
• Inclusion and Culture: A respectful environment that values unique contributions.
• Flexible work options: Remote, hybrid, and onsite opportunities at various locations across the U.S. for better work-life integration.
• Well-being focus: Programs to support a healthy balance between work and home life.
• Community connections: Build strong relationships through virtual and in-person interactions, with resources for your growth.

• Bachelor's degree or equivalent combination of education and relevant professional experience preferred.
• FALU and FLMI certifications preferred.
• Minimum 8 years of progressively responsible individual life insurance underwriting experience, including complex medical and financial underwriting.
• Advanced knowledge of life insurance underwriting principles, human physiology, medical impairments, financial underwriting, occupations, avocations, and reinsurance practices.
• Strong understanding of reinsurance concepts, including retention, automatic binding limits, jumbo limits, and facultative underwriting.
• Excellent analytical, documentation, and decision-making skills.
• Ability to communicate complex underwriting decisions effectively to both technical and non-technical audiences.
• Demonstrated ability to serve as a technical resource and mentor within an underwriting team.