Overview:

The Life Underwriting Sr. 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 Underwriting Sr Consultant operates as a trusted partner to distribution, a key contributor to team performance, and a subject matter expertwithin 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., over $3M all ages and ratings)

• Collaborate with reinsurers as needed for rated cases and large case reviews

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:

• Bachelors degree or equivalent experience

• Minimum of 7 years of life underwriting experience

• Demonstrated expertise in substandard underwriting

• Demonstrated expertise in large case 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

• Trusted advisor to the field and internal partners

• Strong collaborator who drives both business outcomes and team development

• Consistently delivers high-quality decisions while supporting a positive customer and advisor experience

Preferred Qualifications:

Industry designations (FLMI, FALU, CLU)

Preferred Skills: