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Horace Mann

Horace Mann, founded in 1945 and headquartered in Springfield, Illinois, is a financial services company that provides insurance and retirement solutions design

Senior Life Underwriting Consultant

Location

Illinois + 3 moreAll locations: Illinois | Iowa | Missouri | Wisconsin

Posted

127 days ago

Salary

$76.6K - $106.5K / year

Seniority

Senior

10 yrs expEnglish

Job Description

Senior Life Underwriting Consultant

Horace Mann

• Review, evaluate, and classify medical, non-medical, and financial risks to determine underwriting offers on new life insurance policies. • Underwrite life insurance risks with approval authority up to $5,000,000 face amount cases. • Ensure underwriting decisions are fair, consistent, and aligned with company profitability objectives. • Maintain strict adherence to internal underwriting guidelines, SOPs, regulatory statutes, and legal/compliance directives. • Manage and process caseload in a timely and productive manner, meeting or exceeding established service standards. • Demonstrate superior competency in utilizing underwriting and new business systems, including Resonant, online reference manuals, and vendor websites. • Complete audits of underwriting decisions and processing to ensure proper mortality assessments and identify training opportunities. • Provide back-up support to the Chief Life Underwriter as needed. • Complete cosigns for Underwriter-level cases as assigned. • Develop and maintain strong working relationships with agents, sales teams, and internal and external customers. • Provide accurate and timely communication to agents via email and telephone. • Support a collaborative underwriting environment that promotes transparency and partnership. • Participate in projects, committees, and presentations as required. • Identify and recommend opportunities to improve underwriting processes and procedures. • Train and mentor team members in underwriting best practices and system utilization. • Complete five (5) or more professional development actions annually, including industry courses, seminars, or continuing education activities.

Job Requirements

  • 10+ years of experience as a Life Insurance Underwriter preferred.
  • Demonstrated experience handling large face amount cases and complex underwriting scenarios.
  • Strong understanding of mortality and morbidity risk evaluation.
  • Proven ability to interpret medical and financial documentation accurately.
  • Experience working within established underwriting authority levels.
  • Strong communication, analytical, and decision-making skills.
  • Demonstrated commitment to compliance, accuracy, and professional development.

Benefits

  • Normal office environment with remote work-from-home options based on management discretion and business needs.
  • Core business hours required; additional time may be necessary to meet service standards.
  • Periodic travel may be required.

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