Role Description As a Life Underwriting Sr. Consultant, you’ll be at the forefront of our mission—analyzing complex cases, making high-stakes decisions, and collaborating with top-tier financial professionals to craft winning solutions. You’ll bring your expertise to the table, working autonomously with the authority to make competitive offers, all while mentoring others and shaping the future of underwriting. What You’ll Do: - Underwrite sophisticated life insurance applications with autonomy and precision - Lead initiatives, mentor peers, and serve as a go-to expert - Partner closely with sales and financial professionals to understand client needs and deliver competitive, tailored solutions - Drive innovation through accelerated and intelligent underwriting strategies - Represent Nationwide at industry events and help shape best practices Qualifications - 10+ years of life underwriting experience - FALU, CLU, FLMI, and EKG certification preferred - Strong financial acumen and advanced risk assessment skills - A collaborative spirit and a passion for continuous learning - Confidence and flexibility in making complex decisions and influencing outcomes Requirements - Receives, evaluates and underwrites complex applications for life insurance - Maintains in-depth knowledge of manuals, underwriting materials, rules, regulations, and procedures - Evaluates applications requiring additional evidence of insurability - Develops a strong understanding of the accelerated underwriting process - Consults with other underwriters and accepts referred cases when designated - Evaluates and appraises data derived from personal or business financial information - Reaches terms on, coordinates, and negotiates reinsurance on complex situations - Works on special projects with little to no direction - Determines eligibility for temporary insurance and authorizes disbursement of policy refunds - Interprets electrocardiogram tracings as evidence for life insurance applications - Consults with Chief Underwriter, Staff Underwriting, and Medical Director as needed - Supports and assists in meeting goals and objectives for varying territories - Resolves challenges with effective solutions - Handles up to $20,000,000 for life and $1,500,000 for morbidity underwriting Benefits - Medical/dental/vision insurance - Life insurance - Short and long-term disability coverage - Paid time off with a minimum of 18 days per year - Nine paid holidays - 8 hours of Lifetime paid time off - 8 hours of Unity Day paid time off - 401(k) with company match - Company-paid pension plan - Business casual attire

Role Description As a Junior Underwriter, Multi-Network, you assist with medical underwriting to provide sound management of life and health insurance risks. You analyze and assess risks and review life and health insurance applications. You serve as a technical collaborator and provide discipline-specific support for your unit’s activities, initiatives, and processes. The ability to tailor your approach as needed is therefore essential. You research and analyze processes, information management, and data processing. You draw on your sound decision-making skills to solve technical problems and help develop and improve methods and procedures. - Assist with medical underwriting to provide sound management of life and health insurance risks - Analyze and assess risks and review life and health insurance applications - Serve as technical collaborator and provide discipline-specific support for your unit’s activities, initiatives, and processes - Have the ability to tailor your approach to each scenario - Research and analyze processes, information management, and data processing - Use decision-making skills to solve technical problems and help develop and improve methods and procedures - Follow acceptable quality standards on your cases and meet productivity targets Qualifications - College diploma in a related field - A minimum of two years of relevant experience - Expert proficiency in English and in French due to the nature of the duties or work tools or because the position involves interactions with English speaking partners, members, and/or clients - Advanced intermediate individual/life underwriting experience - Advanced intermediate medical background - Decision quality, Situational adaptability, Tech savvy Requirements - Please note that other combinations of qualifications and relevant experience may be considered Benefits - Competitive salary and annual bonus - 4 weeks of flexible vacation starting in the first year - Defined benefit pension plan that provides predictable, stable income throughout retirement - Group insurance including telemedicine - Reimbursement of health and wellness expenses and telework equipment - * Benefits apply based on eligibility criteria.

• Provide leadership and oversight for the Middle Market underwriting team • Leads and oversees Middle Market underwriting, guiding a team to effectively evaluate, price, and manage complex risks • Drives development to remain competitive and monitors performance and claims trends • Accountable for P&L results, manages key metrics, and implements corrective actions as needed • Fosters a culture of accountability and excellence through coaching, audits, and governance of underwriting authority • Collaborates cross-functionally with Distribution, Claims, Pricing, and Risk Management

Role Description Are you a strategic underwriting leader who thrives on developing talent and shaping portfolio performance? MEM Insurance is seeking an experienced Underwriting Manager to lead and elevate our underwriting team. In this role, you will guide the team toward an appetite-led, portfolio-driven approach to decision-making—ensuring that every underwriting decision supports profitable growth and long-term success. You will serve as the critical bridge between leadership strategy and day-to-day execution, translating organizational direction into clear, actionable guidance for your team. This is a highly visible leadership opportunity for someone who enjoys building underwriting excellence, engaging with market and portfolio data, and helping others grow their judgment and confidence. Essential Duties and Responsibilities - Underwriting Leadership and Strategy - Translate MEM’s underwriting appetite and strategic direction into clear guidance that drives consistent, portfolio-aligned decision-making. - Lead the team to think beyond individual transactions, ensuring underwriting decisions reflect broader portfolio outcomes. - Monitor book-of-business composition, identifying trends, concentrations, and opportunities for proactive strategic adjustments. - Contribute to underwriting strategy discussions using insights from market conditions, loss trends, and portfolio performance. - Coach underwriters to strengthen judgment and decision-making aligned to performance and profitability goals. - Operational Leadership - Oversee daily underwriting operations to ensure alignment with department objectives and broader business goals. - Manage risk selection, pricing, and reinsurance decisions within authority to maintain quality and profitability. - Balance workload across the team to deliver strong service levels and consistent results. - Partner with underwriting leadership to ensure consistent execution of best practices across the organization. - Underwriting Quality and Governance - Ensure underwriting decisions align with company guidelines, authority levels, and compliance expectations. - Analyze historical loss data and financial trends to inform risk selection and portfolio strategy. - Support the development and evolution of underwriting guidelines based on market and business needs. - Lead quality assurance efforts by reviewing underwriting work, identifying improvement opportunities, and driving corrective actions. - Maintain strong documentation standards and audit readiness. - People Leadership and Talent Development - Develop underwriting judgment within the team, empowering individuals to make confident, independent decisions. - Create tailored development plans that support growth at every stage of an underwriter’s career. - Lead meaningful performance conversations focused on decision quality, consistency, and alignment with strategy. - Identify hiring, promotion, and role alignment opportunities that strengthen overall team capability. - Cross-Functional Collaboration - Build strong relationships with agency partners and Sales Executives to grow in-appetite business. - Collaborate across departments—including Safety, Claims, Finance, and Sales—to drive aligned outcomes. - Lead coordination on complex accounts through account reviews and cross-functional engagement. - Represent underwriting with professionalism and clarity to internal and external stakeholders. - Analytical and Strategic Contribution - Provide insights and recommendations on profitability, premium planning, and portfolio performance. - Support strategic initiatives that enhance underwriting operations and competitiveness. - Contribute to improvements in underwriting tools, systems, and processes. Qualifications - Bachelor’s degree in Business Administration, Insurance, Finance, or related field (or equivalent experience). - CPCU or AU designation preferred. - Valid driver’s license required. - 6+ years of underwriting experience, with property and casualty experience preferred. - Demonstrated ability to lead, develop, and motivate a team. - Strong communication skills with the ability to translate complex concepts into clear direction. Benefits - Health Plans: Medical, Dental, and Vision, including fertility benefits, fully paid preventative care, and adult orthodontia. - Employer-Paid Life and Disability Benefits: Life Insurance (3x base salary), AD&D, Short and Long-term Disability. - Wellness and Recognition Program: Employer-paid incentives for employees and spouses. - Flexible Spending Account and Dependent Care options. - Health Savings Account: Generous employer contribution. - Time Away from Work: Generous PTO, 11 Holidays + 4 Early Releases, 16 Hours Volunteer Time Off, 20 Days Paid Parental Leave, Marriage, Bereavement, and Jury Duty leave. - Employee Assistance Programs. - 401k Retirement Plan: Employer match and profit sharing. - Adoption Assistance and Tuition Assistance.