Senior Underwriting Consultant

Key Responsibilities

Underwrite complex individual life insurance cases, including impaired risk, with face amounts typically above $5M and authority up to $10M

Analyze medical, financial, and non-medical information to make sound, timely underwriting decisions

Provide second signature support and guidance to junior underwriters

Partner closely with internal sales and distribution teams to support business objectives

Build and maintain strong relationships with independent agents, BGAs, and key distribution partners

Manage a high-volume caseload while meeting service and quality standards

Communicate underwriting decisions clearly and effectively to internal and external stakeholders

Contribute to team development through mentoring, training, and knowledge sharing

Qualifications

Required Experience

Bachelor’s degree or equivalent experience

Minimum of 8 years of life insurance underwriting experience

Proven ability to underwrite large and complex cases, including impaired risks

Experience working within the independent agent / brokerage (BGA) distribution channel

Demonstrated decision-making authority on higher face amounts and complex risk profiles

Preferred Credentials

Industry designations such as FALU, FLMI, CLU, or equivalent coursework

Continued professional development aligned with underwriting expertise

Core Competencies

Strong analytical and risk assessment skills in a dynamic environment

Excellent communication and relationship management abilities

Customer-focused mindset with a commitment to service excellence

Ability to manage competing priorities and maintain productivity

Proven track record of quality decisions, productivity, and career progression

Why Join Us?

Fully remote role with national exposure and impact

Opportunity to work on high-value, complex underwriting cases

Collaborative environment with strong partnership between underwriting and distribution

Career growth through advanced casework, mentorship, and leadership opportunities