Position Summary:
We are seeking a highly experienced and detail-oriented Senior Life Underwriter to join our underwriting team. This role is responsible for evaluating complex individual life insurance applications within an authority limit of up to $5 million. The ideal candidate will have strong risk assessment skills, deep knowledge of medical and financial underwriting principles, and the ability to make sound, timely decisions in alignment with company guidelines and risk tolerance.
Key Responsibilities:
Evaluate and underwrite individual life insurance applications with face amounts up to $5 million
Analyze medical records, lab results, inspection reports, financial documents, and other risk-related information
Make sound risk assessments and decisions in accordance with company underwriting guidelines, reinsurance parameters, and mortality expectations
Collaborate with internal stakeholders including sales, new business, medical directors, and reinsurers to resolve complex cases
Communicate underwriting decisions clearly and professionally to internal and external partners
Participate in quality assurance initiatives, peer reviews, and file audits as needed
Stay current with industry trends, emerging underwriting tools, and regulatory changes
Mentor junior underwriters and contribute to team knowledge-sharing
Qualifications:
Minimum 5+ years of individual life underwriting experience
Proven authority to underwrite up to $5 million (or equivalent within prior role)
Strong knowledge of life insurance products, medical terminology, and financial underwriting
Solid understanding of reinsurance practices and tools
Excellent analytical, communication, and decision-making skills
Proficiency in underwriting platforms and electronic file systems (e.g., Velogica, TAI, etc.)
ALU, FALU, or other underwriting certifications preferred
Preferred Attributes:
Ability to manage multiple cases with competing deadlines
High level of independence, accuracy, and judgement
Collaborative and adaptable in a fast-paced environment
Work Environment:
Remote
Full-time position with competitive compensation and benefits package
