Senior Life Underwriter

About the role

The Senior Life Underwriter is accountable for managing assigned work, developing agency relationships, and ensuring customer satisfaction at the highest level. The position requires the individual to operate in a cross-functional team environment.

Responsibilities

• Evaluate medical, financial, and non-medical information, as developed, to determine the risk classification according to company guidelines.
• Collaborate with our reinsurers to negotiate and secure risk classification for business that may exceed our mortality standards, exceed our corporate retention, and/or for the benefit of securing a more competitive offer.
• Communicate with field partners and home office personnel for the purpose of acquiring necessary information, solving problems, negotiating appeals, and conveying decisions in a polite, confident, and professional manner.

Requirements

• 3-5 years of experience in individual life underwriting
• Bachelor’s degree
• Industry related education (ALU, CLU, LOMA, etc.)
• Knowledge of underwriting manuals, MIB (Medical Information Bureau) reporting, and various risk assessment vendor tools
• Aptitude for risk assessment, collaboration, and customer service
• Knowledge of individual life insurance products/processes
• Analytical, Negotiation, Written and Oral communication skills
• Exceptional decision-making skills and organizational and time management skills

Qualifications

• Knowledge of underwriting manuals, MIB (Medical Information Bureau) reporting, and various risk assessment vendor tools
• Aptitude for risk assessment, collaboration, and customer service
• Knowledge of individual life insurance products/processes
• Analytical, Negotiation, Written and Oral communication skills
• Exceptional decision-making skills and organizational and time management skills

Skills

• Recognize and obtain requirements necessary in evaluating risks, consistently using a comprehensive approach (a “broadened view” of the entire case to forecast all needs and requirements at onset)
• Transform conceptual thinking into competitive decisions that align with company philosophy and department guidelines

Benefits

Salary Range: $68,970.00 - $113,310.00

The salary range reflected above is a good faith estimate of base pay for the primary location of the position. The salary for this position ultimately will be determined based on the education, experience, knowledge, and abilities of the successful candidate. In addition to salary, this role may also be eligible for annual, sales, or other incentive compensation.

Our Promise: At Guardian, you’ll have the support and flexibility to achieve your professional and personal goals. Through skill-building, leadership development and philanthropic opportunities, we provide opportunities to build communities and grow your career, surrounded by diverse colleagues with high ethical standards.

Notice Regarding Guardian’s Use of Artificial Intelligence in Recruitment: As part of Guardian’s job application process, Guardian may use artificial intelligence tools (“AI Tools") to automate the sorting and filtering of information provided by applicants as part of its preliminary screening. This preliminary screening may be used to help identify applicant materials and resumes relative to their indication that the applicant meets the requirements for the specific job for which they are applying, as specified in the listing posted on Guardian’s jobs website (Careers at Guardian at https://www.guardianlife.com/careers).