Underwriting Sr. Consultant; Remote

Overview:
The Life Underwriting Sr. 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 Underwriting Sr 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 judgment 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., over $3M all ages and ratings)
• Collaborate with reinsurers as needed for rated cases and large case reviews
• 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 7 years of life underwriting experience
• Demonstrated expertise in substandard underwriting
• Demonstrated expertise in large case 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 judgment
• 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
• Trusted advisor to the field and internal partners
• Strong collaborator who drives both business outcomes and team development
• Consistently delivers high-quality decisions while supporting a positive customer and advisor experience

• Industry designations (FLMI, FALU, CLU)

The estimated base pay range for this job is: $91,700.00 - $ Pay may vary depending on job-related factors and individual experience, skills, knowledge, etc. More information on base pay and incentive pay (if applicable) can be discussed with a member of the Securian Financial Talent Acquisition team.

• Paid time off:
  We want you to take time off for what matters most to you. Our PTO program provides flexibility for associates to take meaningful time away from work to relax, recharge and spend time doing what’s important to them. And Securian Financial rewards associates for their service by providing additional PTO the longer you stay at Securian.
• Leave programs:
  Securian’s flexible leave programs allow time off from work for parental leave, caregiver leave for family members, bereavement and military leave.
• Holidays:
  Securian provides nine company paid holidays.
• Company‑funded pension plan and a 401(k) retirement plan:
  Share in the success of our company. Securian’s 401(k) company contribution is tied to our performance up…