Senior Life Underwriting Consultant

This is a fully remote position, open to applicants in Minnesota.

📋 Description

• Evaluate medical and financial risks for both routine and intricate cases with a sign-off authority of up to $5,000,000.

• Categorize each case into the appropriate risk class according to company standards.

• Relay underwriting decisions to producers, Financial Marketing Organizations (FMOs), agents, field distribution, and internal teams.

• Provide education to distribution partners on methods for communicating adverse decisions, product offerings, requirements, and underwriting philosophy.

• Maintain correspondence with both internal and external clients regarding the status of cases, including distribution partners, the medical community, reinsurers, and vendors.

• Record risk assessment details and underwriting decisions within system applications.

• Guide and mentor less experienced underwriters and Enterprise Operations staff.

• Engage in departmental projects.

• Travel to deliver presentations at industry events and to distribution partners as required.

• Report to the Underwriting Manager.

⛳️ Requirements

• Minimum of 4 years of experience in life or long-term care underwriting.

• A four-year degree in business, communications, or medical fields of study is required, or equivalent professional experience.

• Willingness to travel up to 10% for field visits.

• Must be legally authorized to work in the U.S. without the need for immigration sponsorship, now or in the future.

• Capability to evaluate medical and financial risks for routine and complex cases with a sign-off authority of up to $5,000,000.

• Proficiency in reviewing medical records, medical examinations, financial documents, telephone interviews, and other underwriting prerequisites.

• Competence in utilizing company system applications for documenting risk assessments.

• Familiarity with artificial intelligence tools and resources, including generative AI.

🏝️ Benefits

• A variety of comprehensive medical, dental, and vision plan options.

• Flexible spending and health savings accounts.

• Tuition reimbursement programs.

• Student loan retirement assistance.

• Generous annual paid leave.

• 401(k) plan with company matching.

• Life insurance coverage.

• Access to an award-winning campus with discounted amenities.

• Onsite health center.

• Child development center.

• Fitness facility.

• Convenience store.

• Two cafeteria options.

• Participation in Employee Resource Groups.

• Eligibility for an annual incentive program.