• Analyzes qualitative and quantitative data and provides approval for risk selection and acceptance, coverage, and pricing. • Analyzes quality and quantity of risks underwritten and prepares reports accordingly. • Evaluate life insurance applications, including those with chronic illness riders, with a focus on both medical and financial risk assessment. • Assists others with resolving complex issues while ensuring adherence to underwriting standards and objectives. • Participates in business planning to support product, program and policy developmental efforts. • Participates in department initiatives; assists in recommending/ implementing changes to improve productivity, profitability, growth and quality. • Selects and classifies risks according to company philosophy and standards. • May assist with training and developing underwriters. • Manages retention. • Maintains profitable mortality experience. • Analyzes and interprets medical, non-medical and financial information. • Make decisions within approval limits at 100% up to $15,000,000 standard to age 90. • Determines appropriate requirements. • Reviews and provides signatures on referrals from underwriters. • Identifies and provides solutions to work related problems and issues. • Communicates and collaborates with the field and home office to provide the highest quality service levels to customers. • Maintains positive and effective relationships with internal and external partners. • Participates in major projects. • Complies with all company and site policies and procedures. • Remains current in profession and industry trends. • Successfully completes regulatory and job training requirements. • Performs other duties as assigned.

• Support a strong volume of inbound opportunities and combine client-facing discovery with underwriting • Conduct structured discovery calls and assess client needs • Review income, credit, and supporting documentation • Collaborate with internal team members and prepare files for submission • Maintain organized and up-to-date client records in CRM systems • Communicate clearly with clients throughout the process

• Serve as the Underwriting Director, reporting directly to the Associate (VP) Chief Underwriter and leading an underwriting team responsible for underwriting production. • Oversee our largest life insurance applications, ensuring thorough and accurate assessments. • Make underwriting decisions within approval limits up to $20,000,000. • Work closely with Underwriting, New Business and Distribution teams to ensure cohesive operations. • Identify trends/issues and offer solutions on issues, including escalations to meet customer needs while ensuring alignment to business strategies. • Coach and mentor individual underwriters. Accountable for underwriter development and career progression. • Participate in department initiatives, assisting in recommending process improvements to enhance productivity, profitability, growth and quality. • Manage retention, autobind and jumbo arrangements. • Maintain profitable mortality experience. • Champion the responsible adoption of AI in underwriting, ensuring appropriate governance, quality controls, and integration into underwriting workflows.

• Support the Group Underwriting leadership team by aligning processes and tools • Lead and implement best practice initiatives within the Underwriting team • Design and facilitate a training curriculum to support underwriters • Conduct quality reviews of complex underwriting cases • Release the monthly Underwriting Bulletin when the Best Practice Analyst is unavailable • Perform user acceptance testing (UAT) for underwriting tools • Act as a liaison with internal partners and lead mini projects