Sr. Consultant, Underwriting

Are you passionate about being part of a team at a Fortune 100 company with nearly $70 billion in annual sales that delivers extraordinary care to help individuals and businesses prepare for and protect their future? If so, then Nationwide Financial could be the place for you! At Nationwide®, “on your side” goes beyond just words. Our customers and partners are at the center of everything we do and we’re looking for associates who are passionate about delivering extraordinary care.

As a Life Underwriting Sr. Consultant, you’ll be at the forefront of our mission—analyzing complex cases, making high-stakes decisions, and collaborating with top-tier financial professionals to craft winning solutions. You’ll bring your expertise to the table, working autonomously with the authority to make competitive offers, all while mentoring others and shaping the future of underwriting.

• Underwrite sophisticated life insurance applications with autonomy and precision
• Lead initiatives, mentor peers, and serve as a go‑to expert
• Partner closely with sales and financial professionals to understand client needs and deliver competitive, tailored solutions
• Drive innovation through accelerated and intelligent underwriting strategies
• Represent Nationwide at industry events and help shape best practices

• 10+ years of life underwriting experience
• FALU, CLU, FLMI, and EKG certification preferred
• Strong financial acumen and advanced risk assessment skills
• A collaborative spirit and a passion for continuous learning
• Confidence and flexibility in making complex decisions and influencing outcomes

This role is fully remote.

This role does not qualify for employer-sponsored work authorization. Nationwide does not participate in the Stem OPT Extension program.

Our underwriters work hard to provide the exceptional customer experience for which Nationwide is known. Effectively engaging with our firms and financial professionals to get to know their clients and their needs builds our understanding of the market, what is needed to win business and put our best offer out first.

If you thrive working autonomously, making decisions on a variety of impactful issues and continuing to learn and adapt to grow, we want to know more about you!

• Receives, evaluates and underwrites, on a medical or non‑medical basis more complex applications for life insurance up to their maximum handling limit as approved by the Chief Underwriter. Protects the confidentiality of documentation and information acquired throughout the underwriting process. Works within broad limits and authority, with minimal oversight, on highly sophisticated assignments requiring niche knowledge in area of expertise.
• Maintains in‑depth knowledge of manuals, underwriting materials, rules, regulations, procedures medical factors and practices impacting mortality and morbidity underwriting. Maintains solid understanding of all underwriting administrative systems to conduct business and provides outstanding service to all internal and external customers and field partners.
• Evaluates and accesses applications requiring additional evidence of insurability. Determines the need for and authorizes the ordering of, underwriting requirements to include, but not limited to, medical examinations, blood profiles, home office specimens, attending physician reports, inspection reports, client direct interviews, and other essential information.
• Develops a strong understanding of the accelerated underwriting process and can apply risk‑based decision‑making skills to determine the appropriate requirements needed to provide protective value as well as determining appropriate risk class. This may include but not limited to, making fluid‑less underwriting decisions as well as the utilization of alternative sources of medical information while maintaining appropriate tolerance for accepting risk.
• Consults with other underwriters on the team and accepts referred cases when designated. Suggests innovative solutions, motivates team performance and facilitates open communication to achieve desired results. Supervises the handling…