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.
Responsibilities include but are not limited to: Risk Assessment & Decisioning
- 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
Case Management & Execution
- 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
Field & Partner Relationship Management
- 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
Process Improvement & Organizational Contribution
- 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
Qualifications- 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
Preferred Qualifications- Industry designations (FLMI, FALU, CLU)
Preferred Skills:Customer Service, Decision Making, External Communication, Internal Communications, Multitasking, Relationship Management
The estimated base pay range for this job is:$73,700.00 - $136,800.00
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. 
