Senior Underwriting Consultant

We are seeking a Sr. Underwriting Consultant to join our Life Underwriting team in a fully remote capacity. This role is designed for a highly experienced underwriter who can independently evaluate complex, high-face-amount cases while serving as a subject matter expert and mentor to others.

You will play a critical role in balancing risk assessment, customer experience, and distribution relationships, particularly within the independent/BGA marketplace.

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