Underwriting Consultant; Remote

Overview

The Life Underwriting Consultant is responsible for evaluating life insurance applications and selecting risks that align with company profitability objectives while maintaining a competitive position in the marketplace and delivering fair, equitable outcomes for applicants. This role reviews, analyzes, and classifies new business, changes, reinstatements, and inquiries with a high degree of accuracy and timeliness. The Life Underwriting Consultant operates as a trusted partner to distribution, a key contributor to team performance, and a subject matter expert within the underwriting team.

• Risk Assessment & Decisioning:
  Evaluate applications within assigned authority by analyzing medical, financial, and lifestyle risk factors to determine acceptability and appropriate classification; exercise sound judgement to identify potential fraud and ensure compliance with underwriting guidelines; make timely and accurate decisions while balancing risk selection, competitiveness, and customer experience; recommend decisions and provide clear rationale on cases outside authority or of higher complexity.
• Case Management & Execution:
  Order only necessary and appropriate requirements to efficiently assess risk; manage workload to consistently meet or exceed productivity and quality expectations; approve applications up to established authority limits (e.g., up to $3M all ages and ratings); collaborate with reinsurers as needed for rated cases.
• Field & Partner Relationship Management:
  Build and maintain strong relationships with brokers, advisors, and internal partners; communicate underwriting decisions clearly, professionally, and empathetically to foster trust and encourage future business.
• Process Improvement & Organizational Contribution:
  Identify opportunities to improve underwriting processes and enhance the customer experience; contribute to departmental initiatives and special projects as directed; provide insights and solutions to management regarding team, workflow, or operational challenges.

• Bachelor’s degree or equivalent experience.
• Minimum of 3 years of life underwriting experience.
• Demonstrated expertise in substandard underwriting.
• Underwriting knowledge across medical and financial risk assessment.
• Strong decision‑making skills with the ability to act independently in real time.
• Proven ability to analyze complex cases and apply sound judgement.
• Effective written and verbal communication skills; ability to document rationale clearly and consistently.
• Proficiency in financial underwriting, including business cases; understanding of reinsurance principles and when to engage partners.
• Results‑oriented with a focus on quality and productivity; agile mindset with a focus on continuous improvement and innovation.

• Industry designations (FLMI, FALU, CLU).

• Customer Service, Decision Making, External Communication, Internal Communications, Multitasking, Relationship Management.

Estimated base pay range: $73,700.00 - $. Pay may vary depending on job‑related factors and individual experience, skills, knowledge, etc. More information on base pay and incentive pay can be discussed with a member of the Securian Financial Talent Acquisition team.

We offer a comprehensive range of benefits to support professional growth, well‑being, and work‑life balance, including paid time off, flexible leave programs, company holidays, a 401(k) retirement plan with company match up to 10 percent of eligible earnings, health insurance for associates and eligible family members, volunteer time, and associate resource groups for various interests and affinities.

Securian Financial Group, Inc. does not discriminate based on race, color, religion, national origin, sex, gender, gender identity, sexual orientation, age, marital or familial status, pregnancy, disability, genetic information, political affiliation, veteran status, status in regard to public assistance or any other protected status. If you are a job seeker with a disability and require an accommodation to apply for one of our jobs, please contact us by email at , by telephone  (voice), or 711 (Relay/TTY).