Role OverviewAs a Senior Underwriting Consultant, you will lead the evaluation of medical and financial risk for life insurance applications, ensuring sound underwriting decisions that balance customer needs with company standards. Operating with autonomy within established guidelines, you will handle both formal applications and informal quotes, often involving substantial policy values.
Key Responsibilities
- Review and finalize complex life insurance applications, exercising independent judgment within a $5,000,000 approval threshold.
- Interpret medical records, financial statements, and risk data to form comprehensive underwriting assessments in alignment with company policy.
- Collaborate effectively with sales teams and external partners, providing clear rationale for decisions and supporting customer-focused outcomes.
- Identify process inefficiencies and contribute to improvements by considering cross-functional impacts of underwriting decisions.
- Mentor colleagues and deliver training on underwriting principles to internal and external stakeholders.
- Maintain a high-volume caseload with precision, organization, and consistent follow-through.
Qualifications
Candidates must have at least five years of experience in life insurance underwriting, with a proven track record handling high-face-amount policies. Demonstrated expertise in risk assessment and decision-making is essential. Preferred candidates will have progress toward or hold FLMI, FALU, or CLU designations, or relevant experience in a brokerage distribution environment.
Compensation & Benefits
This remote position offers a base salary between $108,000 and $118,000, depending on location, with eligibility for a discretionary bonus under the company’s incentive plan. Benefits include comprehensive health coverage, mental health support, and a 401(k) plan with 100% company match up to 6% of eligible pay and immediate vesting. Additional offerings include an employee assistance program, charitable giving match, volunteer time off, and a minimum of 24 paid days off annually.
Work Environment
This role is designated as remote, allowing flexibility while serving a national market. The organization fosters a culture of accountability, inclusion, and continuous improvement, where diverse perspectives are valued and employees are empowered to contribute meaningfully. Employment decisions are made without regard to race, color, religion, gender identity, sexual orientation, disability, age, or other protected statuses.
