TheLong-TermCare Underwriter is responsible forevaluating, classifying, and renderingappropriate risk decisions on Long Term Care insurance applications in accordance with established underwriting guidelines, company standards, and service expectations. This position requires sound analytical judgment, strong communication skills, and the ability to manage cases effectively while supporting professional and responsive experience for field partners, clients, and internal stakeholders.

• PLEASE NOTE: Candidates with Long Term Care underwriting experience or relevant individual insurance underwriting experience will be strongly preferred.

 
Job Summary 
The Long-Term Care Underwriter develops and maintains effective working relationships with Financial Advisors, field partners, internal business partners, and clients. The incumbent evaluates Long Term Care insurance applications, assesses medical, functional, cognitive, occupational, and lifestyle risk factors, and makes appropriate underwriting determinations consistent with company guidelines, production standards, and service objectives. 
 
Primary Duties & Responsibilities: 
Field & Client Experience 

• Establishes andmaintainscredible, professional, and effective communication with field partners and clients, including responding to case inquiries, appeals, and placement-related questions.

• Provides guidance and support to the Financial Network and Financial Representativesregardingcase underwriting, risk assessment, and related underwriting considerations.

• Reviews and responds to prescreen inquiriesin accordance withestablished underwriting practices and service expectations.

 
Underwriting 

• Analyzes and appraises Long Term Care insurance applications; approves, classifies,modifies, or declines applications based on established underwriting guidelines and sound risk judgment.

• Independently reviewsapplications and appliesLong Term Care underwriting standards, product knowledge, and risk selection principles with limited guidance as needed.

• Evaluates medical, functional,andcognitive information to assess morbidity risk and determine the best appropriate offer.

• Demonstrates ongoing learning and adaptability through the effective adoption of new underwriting practices, tools, and processes.

• Underwritesapplications while maintainingexpected morbidity outcomes, providing active case and requirement management, and delivering a customized service experience.

• Communicates and negotiates with field partners to explain modified or declined underwriting decisions and support policy placement whenappropriate.

• Applies sound medical, functional, and cognitiveunderwriting assessment skills andidentifiespractical solutions to support policy placement when appropriate.

• Usesthe most effective available resources to obtain necessary information, including medical records, digital health data, direct contact with the applicant, and communication with third-party advisors as appropriate.

• Consults with peer reviewers, medical resources, and technical staff on complex cases, as needed.

• Meets established quality, service, cycle time, and production expectations whilemaintainingunderwriting integrity.

• Resolves case-related issues and escalations, seeking guidance as appropriate based on case complexity and authority level.

• Partners with Underwriting Support tofacilitateeffective case management and timelycompletion of underwriting requirements.

 
Cross-functional leadership 

• May serve as an underwriting representative on product, process, or operational improvement initiatives in collaboration with functional partnersparticipating in additional projects as assigned.

 
Qualifications 

• Bachelor’sdegree or an equivalentcombination of education and relevant experience is preferred.

• Minimum of 1.5 years of traditional underwriting experience; Long Term Care underwriting experience is strongly preferred.

• Strong analytical skills with the ability to make independent decisions, apply sound judgment, and interpret underwriting guidelines consistently.

• Excellent written and verbal communication skills, including the ability to explain underwriting decisions clearly, handle confidential information appropriately, and exercise tact and diplomacy.

• Proficiency with computer applications and relevant software platforms required to perform underwriting responsibilities.

• Ability to work accurately whilemaintainingappropriate speed, flexibility, and productivity in both team-based and independent work environments.

• Strong organizational skills, including the ability toestablishpriorities, manage competing responsibilities, and meet established deadlines.

• Demonstrated agility and adaptability in managing multiple priorities within a changing work environment.