Life Underwriting Consultant (Remote)

Responsibilities

• Evaluate applications within assigned authority by analyzing medical, financial, and lifestyle risk factors to determine acceptability and appropriate classification
• Exercise sound judgment to identify potential fraud and ensure compliance with underwriting guidelines
• Make timely and accurate decisions while balancing risk selection, competitiveness, and customer experience
• Recommend decisions and provide clear rationale on cases outside authority or of higher complexity
• Order only necessary and appropriate requirements to efficiently assess risk
• Manage workload to consistently meet or exceed productivity and quality expectations
• Average authority limit: approve applications up to $3M all ages and ratings
• Collaborate with reinsurers as needed for rated cases
• Field & Partner Relationship Management: Build and maintain strong relationships with brokers, advisors, and internal partners
• Communicate underwriting decisions clearly, professionally, and empathetically to foster trust and encourage future business

Qualifications

• Bachelor’s degree or equivalent experience
• Minimum of 3 years of life underwriting experience
• Demonstrated expertise in substandard underwriting
• Underwriting knowledge across medical and financial risk assessment
• Strong decision-making skills with the ability to act independently in real time
• Prioritize analysis of complex cases and apply sound judgment
• Effective written and verbal communication skills
• Ability to document rationale clearly and consistently
• Proficiency in financial underwriting, including business cases
• Understanding of reinsurance principles and when to engage partners
• Results-oriented with a focus on quality and productivity
• Agile mindset with a focus on continuous improvement and innovation

Preferred Qualifications

• Industry designations (FLMI, FALU, CLU)

Preferred Skills

• Customer Service
• Decision Making
• External Communication
• Internal Communications
• Multitasking
• Relationship Management

Benefits

• Paid Time Off
• Leave Programs
• Company-funded Pension Plan and 401(k) Retirement Plan
• Health Insurance
• Volunteer Time
• Associate Resource Groups

Pay

The Estimated Base Pay Range For This Job Is $73,700.00 - $136,800.00 Pay may vary depending on job-related factors and individual experience, skills, knowledge, etc. More information on base pay and incentive pay (if applicable) can be discussed with a member of the Securian Financial Talent Acquisition team.