Life Underwriting Consultant Senior

Accountabilities: Risk Assessment and Underwriting Decisions: Independently assess medical and financial risks for routine and complex life insurance cases, with delegated sign-off authority of up to $5 million. Case Evaluation: Review medical records, medical examinations, financial documents, telephone interviews, and other underwriting evidence to determine appropriate risk classifications in accordance with established guidelines. Underwriting Documentation: Accurately document risk assessments, supporting information, and underwriting decisions within the relevant systems and applications. Decision Communication: Communicate underwriting outcomes clearly and professionally to agents, field distribution teams, and Field Marketing Organizations (FMOs). Distribution Partner Support: Build strong relationships with distribution partners by explaining underwriting decisions and providing guidance on strategies for presenting adverse decisions to clients. Product and Process Education: Educate agents and distribution partners on available products, underwriting requirements, and underwriting philosophy. Stakeholder Coordination: Respond to case-related inquiries and provide timely updates to internal and external stakeholders, including distribution partners, the medical community, reinsurers, and vendors. Mentorship and Knowledge Sharing: Support the development of less experienced underwriters and Enterprise Operations colleagues through mentoring, coaching, and knowledge sharing. Projects and Collaboration: Participate in departmental initiatives and projects as assigned, contributing underwriting expertise and supporting continuous improvement. Industry Representation: Attend field visits and industry events, deliver presentations, and represent the organization to distribution partners when required. Technology and AI Adoption: Utilize artificial intelligence tools and resources, including generative AI, to support relevant work activities. Requirements: Professional Experience: At least 4 years of experience in life insurance or long-term care underwriting. Education: Bachelor's degree in Business, Communications, Medical Sciences, or a related field is required. Equivalent professional experience may also be considered. Underwriting Expertise: Strong knowledge of medical and financial risk assessment, underwriting documentation, and risk classification practices. Analytical Judgment: Ability to independently evaluate complex cases, interpret diverse sources of evidence, and make sound decisions in accordance with underwriting guidelines. Communication Skills: Excellent written and verbal communication skills, with the ability to explain technical underwriting decisions clearly to agents, distribution partners, and other stakeholders. Relationship Management: Strong interpersonal skills and the ability to build productive relationships with internal teams, external partners, medical professionals, reinsurers, and vendors. Mentoring Ability: Confidence in sharing expertise, supporting colleagues, and helping develop less experienced underwriting professionals. Organization and Accuracy: Strong attention to detail and the ability to manage case documentation, priorities, and multiple stakeholder requests effectively. Technology Adaptability: Willingness and ability to use relevant digital tools and artificial intelligence resources, including generative AI. Travel Availability: Ability to travel up to 10% of the time for field visits, presentations, and industry-related activities. Work Authorization: Must be legally authorized to work in the United States without requiring immigration sponsorship now or in the future. This requirement applies to applicants holding nonimmigrant visas, including H-1B, H-4, L-1, L-2, TN, OPT, and CPT. Benefits: Salary Range: Annual base salary of $93,000–$126,500, depending on geographic location, experience, skills, competencies, education, and internal equity. Annual Incentive: Eligibility for an annual incentive program. Medical Coverage: Choice of comprehensive medical, dental, and vision insurance plans. Health Accounts: Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs). Retirement and Financial Support: 401(k) plan with a generous company match and a student loan retirement program. Paid Leave: Generous annual paid leave. Additional Coverage: Life insurance. Education Support: Tuition reimbursement. Campus Amenities: Access to discounted amenities, including an onsite health center, child development center, fitness facility, convenience store, and two cafeterias. Inclusive Workplace: Opportunities to participate in Employee Resource Groups that help shape an inclusive, supportive, and collaborative workplace culture.