Underwriting Consultant - Traditional & Care Solutions

At One America Financial, our purpose is to create more certainty for our customers that leads to better moments, every day. Our commitment is to advance stability and growth in every solution and relationship. We deliver financial strength that builds for generations, and we are always aspiring, looking ahead, and collaborating to achieve more, together. Come be a part of this journey with us as we champion lives!

This position evaluates and classifies risk for life and LTC hybrid products, ensuring compliance with underwriting guidelines and procedures, aligning decisions with mortality and morbidity pricing standards. The consultant holds authority to postpone, decline, or apply substandard ratings within defined approval limits.

• Evaluate risks in accordance with established underwriting guidelines
• Process cases using internal operating systems
• Validate underwriting decisions with internal and external partners
• Ensure adherence to published procedures and compliance standards
• Participate in ongoing professional development and continuing education
• Represent the company at industry events
• Collaborate effectively in a team environment
• Mentor and consult with junior underwriting staff

• Bachelor’s degree in a related field preferred
• High School Diploma or equivalent required
• Minimum of 5 years of Individual Life underwriting experience required
• Experience with underwriting LTC products ideal, but not required
• Advanced knowledge of Life and LTC hybrid products preferred
• Strong analytical and decision‑making skills
• Excellent communication and mentoring abilities

Salary Band: 06B

Salary: $95,000‑110,000 annually (dependent upon experience). Actual compensation will be determined by factors such as education, experience, geographical location, and other job‑related factors permitted by law. In addition to base pay, this role is eligible for an annual incentive program.

Remote work:
This position is remote. The candidate will also be expected to physically return to the office in CA, IN, or ME as business needs dictate or for team‑building and collaboration.

We offer a comprehensive total rewards package designed to support you both at work and l‑time and part‑time associates working 30 or more hours per week are generally eligible for benefits, including but not limited to:

• Medical, prescription, dental, and vision insurance
• Health Savings Account & Flexible Spending Accounts
• Paid Time Off
• 10 weeks 100% paid parental leave (after completing 12 months of employment)
• 401(k) Plan with company match
• Pension Plan
• Company paid life & disability insurance
• Wellness Program & Company paid employee assistance program
• Clinic access subject to location* (
  * Indianapolis, Charlotte, Cincinnati)

One America Financial does not have any offices located in the State of New York and you are not permitted to work remotely in the State of New York.

Selected employees must be able to perform the essential functions of the position satisfactorily and, if requested, reasonable accommodations will be made to enable employees with disabilities to perform the essential functions of their job, absent undue hardship.

Disclaimer:
American United Life Insurance Company (“One America Financial”) is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee based on race, color, religion, creed, national origin or ancestry, ethnicity, sex (including gender, pregnancy, sexual orientation, gender identity), age, physical or mental disability, veteran or military status, genetic information, citizenship, or any other legally recognized protected basis under federal, state, or local law.

Because this position is regulated by the Violent Crime Control and Law Enforcement Act, if an offer is made, applicants must undergo mandated background checks as a condition of employment. Such background checks include criminal history. A conviction is not necessarily an absolute bar to employment. Consistent with applicable regulatory guidelines and law, factors such as the age of the offense, evidence of rehabilitation, seriousness of violation, and job relatedness are considered.

Equal Opportunity Employer. This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.