We are seeking a Sr. Underwriting Consultant to join our Life Underwriting team in a fully remote capacity. This role is designed for a highly experienced underwriter who can independently evaluate complex, high-face-amount cases while serving as a subject matter expert and mentor to others.

You will play a critical role in balancing risk assessment, customer experience, and distribution relationships, particularly within the independent/BGA marketplace.

Key Responsibilities

• Underwrite complex individual life insurance cases, including impaired risk, with face amounts typically above $5M and authority up to $10M
• Analyze medical, financial, and non-medical information to make sound, timely underwriting decisions
• Provide second signature support and guidance to junior underwriters
• Partner closely with internal sales and distribution teams to support business objectives
• Build and maintain strong relationships with independent agents, BGAs, and key distribution partners
• Manage a high-volume caseload while meeting service and quality standards
• Communicate underwriting decisions clearly and effectively to internal and external stakeholders
• Contribute to team development through mentoring, training, and knowledge sharing

Qualifications

Required Experience

• Bachelor's degree or equivalent experience and a minimum of 10 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

Preferred Credentials

• Industry designations such as FALU, FLMI, CLU, or equivalent coursework
• Continued professional development aligned with underwriting expertise

Core Competencies

• Strong analytical and risk assessment skills in a dynamic environment
• Excellent communication and relationship management abilities
• Customer-focused mindset with a commitment to service excellence
• Ability to manage competing priorities and maintain productivity
• Proven track record of quality decisions, productivity, and career progression

Why Join Us?

• Fully remote role with national exposure and impact
• Opportunity to work on high-value, complex underwriting cases
• Collaborative environment with strong partnership between underwriting and distribution
• Career growth through advanced casework, mentorship, and leadership opportunities

$84,000 - $128,000 a year

Protective's targeted salary range for this position is $84,000 to $128,000. Actual salaries may vary depending on factors, including but not limited to, job location, skills, and experience. The range listed is just one component of Protective's total compensation package for employees. This position also offers additional incentive opportunities through an annual incentive based on individual and Company performance.

The internal job title for this role is Sr. UW Generalist.

Employee Benefits:

We aim to protect the wellbeing of our employees and their families with a broad benefits offering. In addition to offering comprehensive health, dental and vision insurance, we support emotional wellbeing through mental health benefits and an employee assistance program. Work/life balance is important and Protective offers a variety of paid time away benefits (e.g., paid time off, paid parental leave, short-term disability, and a cultural observance day). The financial health of our employees is just as important as physical and emotional health. Some of the financial wellbeing benefits include contributions to healthcare accounts, a pension plan, and a 401(k) plan with Company matching. All employees are encouraged to protect their overall wellbeing by engaging in ProHealth Rewards, Protective's platform to improve wellbeing while earning cash rewards.

Eligibility for certain benefits may vary by position in accordance with the terms of the Company's benefit plans.