Senior Life Underwriting Consultant
Horace Mann
full-time
Posted on:
Location Type: Remote
Location: Illinois • Iowa • United States
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Salary
💰 $76,600 - $106,450 per year
Job Level
About the role
- Review, evaluate, and classify medical, non-medical, and financial risks to determine underwriting offers on new life insurance policies.
- Underwrite life insurance risks with approval authority up to $5,000,000 face amount cases.
- Ensure underwriting decisions are fair, consistent, and aligned with company profitability objectives.
- Maintain strict adherence to internal underwriting guidelines, SOPs, regulatory statutes, and legal/compliance directives.
- Manage and process caseload in a timely and productive manner, meeting or exceeding established service standards.
- Demonstrate superior competency in utilizing underwriting and new business systems, including Resonant, online reference manuals, and vendor websites.
- Complete audits of underwriting decisions and processing to ensure proper mortality assessments and identify training opportunities.
- Provide back-up support to the Chief Life Underwriter as needed.
- Complete cosigns for Underwriter-level cases as assigned.
- Develop and maintain strong working relationships with agents, sales teams, and internal and external customers.
- Provide accurate and timely communication to agents via email and telephone.
- Support a collaborative underwriting environment that promotes transparency and partnership.
- Participate in projects, committees, and presentations as required.
- Identify and recommend opportunities to improve underwriting processes and procedures.
- Train and mentor team members in underwriting best practices and system utilization.
- Complete five (5) or more professional development actions annually, including industry courses, seminars, or continuing education activities.
Requirements
- 10+ years of experience as a Life Insurance Underwriter preferred.
- Demonstrated experience handling large face amount cases and complex underwriting scenarios.
- Strong understanding of mortality and morbidity risk evaluation.
- Proven ability to interpret medical and financial documentation accurately.
- Experience working within established underwriting authority levels.
- Strong communication, analytical, and decision-making skills.
- Demonstrated commitment to compliance, accuracy, and professional development.
Benefits
- Normal office environment with remote work-from-home options based on management discretion and business needs.
- Core business hours required; additional time may be necessary to meet service standards.
- Periodic travel may be required.
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
underwritingrisk evaluationmortality assessmentfinancial documentation interpretationcase managementauditingprocess improvementtrainingmentoringdecision-making
Soft Skills
communicationanalytical skillscollaborationrelationship buildingtransparencyprofessional developmentconsistencycommitment to compliancetimelinessproductivity