Underwriting Consultant

Protective Life

Underwriting Consultant evaluating complex individual life insurance cases in remote setting. Contributing to underwriting decisions while maintaining strong relationships with internal and external partners.

Posted 7/21/2026full-timeRemote • 🇺🇸 United StatesMid-LevelSenior💰 $70,000 - $102,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in life insurance underwriting, including the ability to analyze complex risk profiles and make informed decisions on large cases. Proven track record of building relationships with distribution partners and delivering timely, accurate results in a fast-paced environment.

Highest-signal resume keywords

Life Insurance UnderwritingImpaired Risk AssessmentDecision-Making AuthorityIndependent Agent/BGA ExperienceBachelor's Degree

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Underwriting Large CasesRisk ClassificationMedical AnalysisFinancial AnalysisNon-Medical Information EvaluationProduction Standards ManagementQuality Standards ManagementTime-Service Standards ManagementCase Placement SupportCustomer Experience Enhancement

Soft Skills

Effective CommunicationRelationship BuildingOrganizational SkillsProblem-SolvingCollaboration

Certifications & Qualifications

FALUFLMICLU

Industry Keywords

Life InsuranceUnderwriting GuidelinesIndependent AgentsBrokerage DistributionBGARisk ProfilesProfessional DevelopmentIndustry Coursework

About the role

Key responsibilities & impact

Underwrite individual life insurance cases, including impaired risk, with an anticipated independent approval authority of $3 million
Analyze medical, financial, and non-medical information to make sound underwriting decisions within assigned authority
Evaluate requirements as they are received and determine appropriate risk classification in accordance with underwriting guidelines
Communicate underwriting decisions clearly and professionally to internal and external customers
Build and maintain effective working relationships with key distributors, independent agents, BGAs, and internal sales partners
Manage an assigned caseload while meeting production, quality, and time-service standards
Partner with internal teams to support business objectives, case placement, and a positive customer experience
Organize work effectively and deliver timely, accurate results in a fast-paced environment
Perform other job duties as assigned

Requirements

What you’ll need

Bachelor’s degree or equivalent experience
Minimum of 6 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 coursework commensurate with experience (preferred)
Progress toward or completion of industry designations such as FALU, FLMI, CLU, or equivalent coursework (preferred)
Experience supporting distribution partners, including independent agents and BGAs (preferred)
Experience with larger face amount individual life cases (preferred)
Continued professional development aligned with life underwriting expertise (preferred)

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 improving wellbeing and earning cash rewards