Life Underwriter (100% Remote)

About the role

This is a Contract Position with a minimum of 4 months for a Life Underwriter, 100% remote (U.S.). The role seeks experienced Life Underwriters to join a growing team in a fully remote capacity, focusing on fully underwritten life insurance cases, medical record analysis, and risk classification. Candidates must be based in the U.S.; individuals located in California or New York are not eligible. This is a Contract to Hire position based out of Dallas, TX. The position is anticipated to close on Oct 7, 2026.

Responsibilities

• Evaluate life insurance applications to determine risk classification (standard and substandard)
• Review medical records, APS (Attending Physician Statements), and prescription histories
• Assess high-risk medications and combinations
• Analyze adverse health information and determine underwriting outcomes
• Order medical exams and follow up on required documentation
• Interpret and apply MIB (Medical Information Bureau) codes
• Identify off-label medication usage and its impact on underwriting decisions
• Evaluate reinstatements, add-ons, and policy modifications
• Maintain productivity standards, including reviewing high volume of cases
• Apply medical terminology knowledge to underwriting decisions

Requirements

• Minimum 2-3 years of life underwriting experience
• Experience with fully underwritten products (not automated underwriting)
• Strong knowledge of medical terminology, prescription history analysis, and life insurance risk assessment
• Signing authority of $100,000+
• Proven ability to manage high case volumes efficiently
• Ability to work independently in a remote environment with minimal supervision

Qualifications

• Experience with tools such as Milliman or Intelliscript
• Ability to review and interpret detailed medical records (APS)
• Familiarity with Swiss Re or similar underwriting guidelines

Benefits

• Medical, dental & vision
• Critical Illness, Accident, and Hospital
• 401(k) Retirement Plan – Pre-tax and Roth post-tax contributions available
• Life Insurance (Voluntary Life & AD&D for the employee and dependents)
• Short and long-term disability
• Health Spending Account (HSA)
• Transportation benefits
• Employee Assistance Program
• Time Off/Leave (PTO, Vacation or Sick Leave)

Pay

The pay range for this position is $31.25 - $38.46/hr.

Schedule

• Standard shift: 8:00 AM – 5:00 PM
• Alternate shift: 7:00 AM – 4:00 PM