Underwriter I (Remote)

About the Role

Globe Life is seeking an Underwriter I to join our remote team. This role is responsible for evaluating insurance applications and making informed, risk-based decisions to approve policies as standard, rated, or declined while maintaining full regulatory compliance across multiple product lines, including Medicare and health/life offerings.

Responsibilities

• Establish and maintain productive working relationships with field agents, new business teams, underwriting staff, and other Globe Life departments to ensure seamless processing and optimal outcomes for current and future policy applications.
• Conduct comprehensive risk assessments by thoroughly reviewing and analyzing applicants' health histories utilizing approved underwriting resources, guidelines, and decision-making frameworks.
• Evaluate medical records, prescription histories, and health-related documentation to determine insurability and appropriate risk classification.
• Proactively communicate with agents via email to request outstanding compliance documentation and obtain additional information required for informed underwriting decisions while ensuring adherence to all regulatory requirements.
• Maintain current and comprehensive knowledge of health and life insurance regulations, including federal, state, and company-specific standards, to ensure all underwriting activities comply with legal and organizational requirements.
• Uphold strict confidentiality standards and protect sensitive applicant information in accordance with HIPAA regulations and company privacy policies.

Qualifications

• High school diploma or equivalent required.
• 1-2 years of experience in an Underwriter Trainee or Junior Underwriter role.
• Experience in the insurance industry preferred.
• Demonstrated understanding of underwriting principles and risk assessment practices.
• Knowledge of medical terminology is a plus.

Skills

• LOMA 280 (Principles of Insurance) and LOMA 290 (Insurance Company Operations) strongly recommended within first year of employment.
• Pursuit of Fellow, Life Management Institute (FLMI) designation recommended.

Benefits

• Competitive compensation designed to reflect your expertise and contribution.
• Comprehensive health, dental, and vision insurance plans because your well-being is fundamental to your performance.
• Robust life insurance benefits and retirement plans, including company-matched 401k and pension plan.
• Paid holidays and time off to support a healthy work-life balance.
• Parental leave to help our employees welcome their new additions.
• Subsidized all-in-one subscriptions to support your fitness, mindfulness, nutrition, and sleep goals.
• Company-paid counseling for assistance with mental health, stress management, and work-life balance.
• Continued education reimbursement eligibility and company-paid FLMI and ICA courses to grow your career.
• Discounted Texas Rangers tickets for a proud visit to Globe Life Field.

Applicable To All Employees of Globe Life Family of Companies: Reliable and predictable attendance of your assigned shift. Ability to work full time and/or part time based on the position specifications.