Life Underwriting Consultant

Securian Financial

Life Underwriting Consultant responsible for evaluating life insurance applications and selecting risks. Collaborating with brokers and enhancing underwriting processes at Securian Financial.

Posted 7/2/2026full-timeRemote • Minnesota • 🇺🇸 United StatesMid-LevelSenior💰 $73,700 - $136,800 per yearWebsite

About the role

Key responsibilities & impact

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

Requirements

What you’ll need

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

Benefits

Comp & perks

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 to 10 percent of eligible earnings, with a target of 5 percent. The amount is based on company results compared to goals related to earnings, sales and service.
Health insurance: From the first day of employment, associates and their eligible family members – including spouses, domestic partners and children – are eligible for medical, dental and vision coverage.
Volunteer time: We know the importance of community. Through company-sponsored events, volunteer paid time off, a dollar-for-dollar matching gift program and more, we encourage you to support organizations important to you.
Associate Resource Groups: Build connections, be yourself and develop meaningful relationships at work through associate-led ARGs. Dedicated groups focus on a variety of interests and affinities, including: Mental Wellness and Disability Pride at Securian Financial Securian Young Professionals Network Securian Multicultural Network Securian Women and Allies Network Servicemember Associate Resource Group

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Applicant Tracking System Keywords

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Hard Skills & Tools

Medical Risk AssessmentFinancial Risk AssessmentUnderwriting Guidelines ComplianceFraud IdentificationCase AnalysisDocumentation SkillsRisk SelectionProductivity ManagementContinuous ImprovementAgile Mindset

Soft Skills

Effective CommunicationRelationship BuildingEmpathyJudgmentResults Orientation

Certifications

Bachelor’s Degree or Equivalent Experience