We are seeking an Underwriting Consultant to join our Life Underwriting team in a fully remote capacity. This role is designed for an experienced individual life underwriter who can independently evaluate complex cases, including impaired risk, while delivering timely, customer-focused underwriting decisions.

You will play an important role in assessing medical, financial, and non-medical risk, supporting service standards, and maintaining strong working relationships with internal partners and key distributors in the independent agent and brokerage marketplace.

Key Responsibilities

• Underwrite individual life insurance cases, including impaired risk, with an anticipated independent approval authority of $3 million.
• Analyze medical, financial, and non-medical information to make sound underwriting decisions within assigned authority.
• Evaluate requirements as they are received and determine appropriate risk classification in accordance with underwriting guidelines.
• Communicate underwriting decisions clearly and professionally to internal and external customers.
• Build and maintain effective working relationships with key distributors, independent agents, BGAs, and internal sales partners.
• Manage an assigned caseload while meeting production, quality, and time-service standards.
• Partner with internal teams to support business objectives, case placement, and a positive customer experience.
• Organize work effectively and deliver timely, accurate results in a fast-paced environment.
• Perform other job duties as assigned.

Qualifications

Required Experience

• Bachelor's degree or equivalent experience.
• Minimum of 6 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 coursework commensurate with experience
• Progress toward or completion of industry designations such as FALU, FLMI, CLU, or equivalent coursework
• Experience supporting distribution partners, including independent agents and BGAs
• Experience with larger face amount individual life cases
• Continued professional development aligned with life underwriting expertise

Core Competencies

• Strong analytical and risk assessment skills
• Ability to make sound underwriting decisions in a dynamic environment
• Strong communication and relationship management skills
• Customer-focused approach to underwriting and service delivery
• Ability to manage a sizeable caseload while maintaining quality and productivity
• Strong organization, prioritization, and time-management skills
• Ability to work effectively in a team environment
• Working knowledge of PC applications and underwriting systems
• Ability to thrive in a fast-paced environment

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

$70,000 - $102,000 a year

Protective's targeted salary range for this position is $70,000 to $102,000. 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.

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

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.