Life Underwriting Sr. Consultant (Remote)

Overview

The Life Underwriting Sr. Consultant is responsible for evaluating life insurance applications and selecting risks that align with company profitability objectives while maintaining a competitive position in the marketplace and delivering fair, equitable outcomes for applicants. This role reviews, analyzes, and classifies new business, changes, reinstatements, and inquiries with a high degree of accuracy and timeliness. The Underwriting Sr Consultant operates as a trusted partner to distribution, a key contributor to team performance, and a subject matter expert within the underwriting team.

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
• Approve applications up to established authority limits (e.g., over $3M all ages and ratings)
• Collaborate with reinsurers as needed for rated cases and large case reviews
• 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
• Identify opportunities to improve underwriting processes and enhance the customer experience
• Contribute to departmental initiatives and special projects as directed
• Provide insights and solutions to management regarding team, workflow, or operational challenges

Qualifications

• Bachelor's degree or equivalent experience
• Minimum of 7 years of life underwriting experience
• Demonstrated expertise in substandard underwriting
• Demonstrated expertise in large case underwriting
• Underwriting knowledge across medical and financial risk assessment
• Strong decision-making skills with the ability to act independently in real time
• Proven ability to analyze 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
• Trusted advisor to the field and internal partners
• Strong collaborator who drives both business outcomes and team development
• Consistently delivers high-quality decisions while supporting a positive customer and advisor experience

Preferred Qualifications

• Industry designations (FLMI, FALU, CLU)

Pay

The estimated base pay range for this job is: $91,700.00 - $169,600.00. 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.

Benefits

• Paid Time Off (PTO) program with additional PTO granted based on length of service
• Flexible leave programs including parental leave, caregiver leave for family members, bereavement, and military leave
• Nine company paid holidays
• Company-funded pension plan
• 401(k) retirement plan with company contribution tied to performance up to 10% of eligible earnings (target of 5%)
• Medical, dental, and vision coverage available from the first day of employment for associates and eligible family members (including spouses, domestic partners, and children)
• Volunteer paid time off and dollar-for-dollar matching gift program
• Associate Resource Groups (ARGs) focusing on Environmental Health & Sustainability, Mental Wellness and Disability, Pride, Securian Young Professionals, Multicultural, Women and Allies, and Servicemember groups