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.

• Receive, evaluate, and underwrite complex life‑insurance applications up to the maximum handling limit as approved by the Chief Underwriter.
• Protect confidentiality of documentation and information acquired throughout the underwriting process.
• Work within broad limits and authority, with minimal oversight, on highly sophisticated assignments requiring niche knowledge.
• Maintain in‑depth knowledge of manuals, underwriting materials, rules, regulations, procedures, medical factors, and practices impacting mortality and morbidity underwriting.
• Maintain solid understanding of all underwriting administrative systems and provide outstanding service to all internal and external customers.
• Evaluate and assess applications requiring additional evidence of insurability; determine the need for and authorize ordering of underwriting requirements such as medical examinations, blood profiles, home office specimens, attending physician reports, inspection reports, client direct interviews, and other essential information.
• Develop a strong understanding of accelerated underwriting process and apply risk‑based decision‑making skills.
• Consult with other underwriters, accept referred cases, and suggest innovative solutions.
• Supervise handling of unusual or complicated cases.
• Evaluate, appraise and quantify data derived from personal or business financial information and establish insurable interest.
• Handle the most complex financial underwriting applications and often assist others through referrals and training.
• Reach terms on, coordinate, and negotiate both automatic and facultative reinsurance on highly complex reinsurance situations.
• Work on special projects as assigned, including project plans, requirements, timelines, etc.
• Meet and present with field partners as needed; acquire input and feedback.
• Determine eligibility for temporary insurance and authorize disbursement of policy refunds if not eligible.
• Interpret electrocardiogram tracings received as evidence for life insurance applications.
• Consult with Medical Director as needed for cases requiring physician input.
• Consult with Chief Underwriter, Staff Underwriting, Senior Underwriting Consultants, and the Medical Director as needed.
• Support and assist in meeting goals and objectives for varying territories, special agent programs and contests.
• Resolve challenges with effective solutions while…