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.

• 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

• 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

• 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

• 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 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

• Industry designations (FLMI, FALU, CLU)

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

The Estimated Base Pay Range For This Job Is

$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 (if applicable) can be discussed with a member of the Securian Financial Talent Acquisition team.

Be you. With us. At Securian Financial, we understand that attracting top talent means offering more than just a job – it means providing a rewarding and fulfilling career. As a valued member of our high-performing team, we want you to connect with your work, your relationships and your community. Enjoy our comprehensive range of benefits designed to enhance your professional growth, well-being and work-life balance, including the advantages listed here:

• We want you to take time off for…