Underwriter IV

What We Can Offer You

• Estimated Salary: $86,000 - $114,000, plus annual bonus opportunity.
• 401(k) plan with a 2% company contribution and 6% company match.
• Work-life balance with vacation, personal time and paid holidays.

What You'll Do

• Underwrite highly complex individual life cases with significant mortality and financial impact, including formal applications, and pre-quote requests, within a life approval authority of $5 million+
• Offer expert evaluation and guiding decisions beyond the authority of junior underwriters.
• Review, approve, and provide guidance on underwriting decisions made by other underwriters, ensuring adherence to company guidelines, selection standards, and risk philosophy.
• Partner closely with agents, brokers, and field leadership, communicating underwriting decisions clearly and professionally while building strong, trusted relationships.
• Support continuous improvement efforts by mentoring underwriters, monitoring workflow quality and volume, contributing to underwriting guidelines, and staying current on products, regulations, and industry trends.

What You'll Bring

• Extensive individual life underwriting experience, including impaired risks and large case underwriting, with demonstrated success operating at full authority levels.
• 5+ years of life underwriting experience, with the confidence and judgment to make and defend complex underwriting decisions using sound medical, financial, and actuarial reasoning.
• Experience working under pressure while maintaining attention to detail, sound judgment, and compliance with company and industry standards.
• A strong technical foundation, including completion of LOMA 280/281, 290, 311, 386, and ALU 101 & 201 (or equivalent depth of knowledge).
• Excellent decision-making, analytical, and communication skills, with the ability to clearly explain underwriting outcomes to both internal partners and the field.
• A high level of independence and accountability, paired with strong organizational skills, attention to detail, and the ability to perform under deadline pressure.
• You promote a culture of diversity and inclusion, value different ideas and opinions, and listen courageously, remaining curious in all that you do.
• Able to work remotely with access to a high-speed internet connection and located in the United States or Puerto Rico.

PREFERRED

• Bachelor’s degree or equivalent experience;
• FLMI, FALU, CLU designation completed or in progress;
• Experience with Accelerated Underwriting programs and/or Long-Term Care underwriting;
• Prior involvement in field training, underwriting policy development, or special underwriting initiatives.