Country Financial

Senior Life Underwriter

Country Financial$77K — $106K *
Finance & Insurance
5 - 7 years of experience
Job Overview by Ladders

Qualifications

  • 7+ years of relevant experience or a combination of related experience, education, and training
  • Expertise in risk classification and underwriting procedures
  • Strong analytical skills to assess medical, financial, and lifestyle factors
  • Effective communication skills for collaboration with financial representatives and clients
  • Understanding of life, disability, and long-term care insurance requirements

Responsibilities

  • Analyze life insurance applications for risk classification
  • Review medical and lifestyle information of applicants
  • Determine the necessity of additional information for risk assessment
  • Approve, modify or decline life insurance applications and reinstatements
  • Assist financial representatives with application processes
  • Communicate application statuses and requirements to relevant parties
  • Consult with leadership and medical personnel on underwriting decisions

Benefits

  • Comprehensive insurance package including medical, dental, and vision coverage
  • Disability and life insurance options
  • 401(k) plan with company matching contributions
  • Eligibility for a Short-Term Incentive plan
  • Privacy protections for client information
Full Job Description
About the role

Analyzes life insurance applications written by financial representatives in all sales regions and assigns the proper risk classification to them within general corporate underwriting guidelines. Reviews information concerning a proposed insureds' medical, occupational, financial, avocational and lifestyle to determine if additional information is needed to properly classify the risk; exercises judgment to approve, modify or decline new life insurance applications and reinstatement applications for life, disability and long term care insurance; assists financial representatives in determining proper application requirements and communicates on the status of each application and any additional requirements needed to place applications in the most favorable risk classification.

How does this role make an impact?

- Uses professionalism, tact and empathy when dealing with financial representatives, clients, medical personnel and department support when discussing a risk or facilitating the risk selection, issue and administrative process or obtaining underwriting information.
- Respects and maintains the privacy of a clients' personal information disclosed in the risk appraisal process.
- Consults with leadership, medical directors, reinsurers, other underwriters, and corporate personnel as required.
- May develop new and competitive underwriting guidelines.

Do you have what we're looking for?

Typically requires 7+ years of relevant experience or a combination of related experience, education and training.

Base Pay Range:
$77,600-$106,700

The base pay range represents the typical range of potential salary offers for candidates hired. Factors used to determine your actual salary include your specific skills, qualifications and experience.

Incentive Pay:

In addition to base salary, this position is eligible for a Short-Term Incentive plan.


You'll be able to take advantage of our benefits package, which includes insurance benefits (medical, dental, vision, disability, and life), 401(k) with company match.

About Country Financial

Country Financial is an insurance and financial services company that was founded in 1925. The company offers a range of insurance products, including auto, home, and life insurance. The company also offers retirement planning and investment services. The company has over 3,000 employees and serves customers in 19 states. The company is known for its commitment to customer service and has won numerous awards for its products and services. The company's revenue has been increasing over the years, and it has been expanding its product portfolio.
Learn more about Country Financial
Size
3,200 employees
Industry

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