Consultant II - Life Underwriting (Brokerage) REMOTE

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.

This Consultant, Life Underwriting opportunity sits within Nationwide's Brokerage General Agency (BGA) area, a relationship-driven part of the life insurance business that partners closely with brokerage firms and distribution partners to support new business through the underwriting process.

In this environment, underwriters work on a broad range of life insurance cases and play an important role in evaluating risk, navigating complex case details, and helping move business efficiently from submission through decision. The work combines strong technical underwriting judgment with thoughtful communication and partnership across the case lifecycle.

What makes this team especially distinctive is the nature of the work: it is underwriting in a less automated environment, where associates are expected to think critically, apply judgment, and stay grounded in the nuance of each case rather than relying on a highly standardized process.

The role is especially attractive for underwriters who want meaningful case complexity. The team supports large and sophisticated cases, works under real volume and field pressure, and values underwriters who can balance responsiveness with sound decision-making.

Overall, this is a strong fit for candidates who are energized by challenging work, want exposure to complex brokerage-oriented underwriting, and are looking for a place where strong judgment, partnership, and long-term development are genuinely valued.

This role is open to fully remote work.

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

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Our underwriters work hard to provide the exceptional customer experience for which Nationwide is known. Actively 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!

As a Life Underwriting Consultant, you'll analyze, select and classify applications for life insurance, of considerable technical complexity and exposure, to ensure underwriting quality according to established underwriting policies, practices and standards. You'll review and make decisions on larger, more sophisticated, or unusual business. To succeed, you'll need to coordinate life selection standards according to underwriting practices and procedures to achieve satisfactory mortality experience and acceptable administrative results.

You'll have opportunities to provide leadership on projects, departmental committees and on the team by identifying problems and potential solutions and be serving as a referral point for less experienced underwriters. You'll work with latitude for independent judgment based on your underwriting authority and company underwriting standards.

• 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 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 l