Senior Underwriting Consultant

Protective Life

Sr. Underwriting Consultant evaluating complex life insurance cases in a fully remote role.

Posted 7/20/2026full-timeRemote • 🇺🇸 United StatesSenior💰 $84,000 - $128,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Expertise in underwriting complex individual life insurance cases, including impaired risks, with a strong focus on decision-making and relationship management within the independent agent and brokerage distribution channels.

Highest-signal resume keywords

Life Insurance UnderwritingImpaired Risk AssessmentDecision-Making AuthorityMentoring and TrainingRelationship Management

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Underwriting Complex CasesAnalyzing Medical InformationFinancial AnalysisNon-Medical Information AnalysisHigh-Volume Caseload Management

Soft Skills

Effective CommunicationTeam Development

Certifications & Qualifications

FALUFLMICLU

Industry Keywords

Independent AgentBrokerage Distribution ChannelUnderwriting ExpertiseLife Insurance

About the role

Key responsibilities & impact

Underwrite complex individual life insurance cases, including impaired risk, with face amounts typically above $5M and authority up to $10M
Analyze medical, financial, and non-medical information to make sound, timely underwriting decisions
Provide second signature support and guidance to junior underwriters
Partner closely with internal sales and distribution teams to support business objectives
Build and maintain strong relationships with independent agents, BGAs, and key distribution partners
Manage a high-volume caseload while meeting service and quality standards
Communicate underwriting decisions clearly and effectively to internal and external stakeholders
Contribute to team development through mentoring, training, and knowledge sharing

Requirements

What you’ll need

Bachelor’s degree or equivalent experience and a minimum of 10 years of life insurance underwriting experience
Proven ability to underwrite large and complex cases, including impaired risks
Experience working within the independent agent / brokerage (BGA) distribution channel
Demonstrated decision-making authority on higher face amounts and complex risk profiles
Industry designations such as FALU, FLMI, CLU, or equivalent coursework
Continued professional development aligned with underwriting expertise

Benefits

Comp & perks

comprehensive health, dental and vision insurance
emotional wellbeing through mental health benefits
employee assistance program
paid time off
paid parental leave
short-term disability
cultural observance day
contributions to healthcare accounts
pension plan
401(k) plan with Company matching
ProHealth Rewards platform for wellbeing