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Underwriting Consultant
Location
United States
Posted
2 days ago
Salary
$70K - $102K / year
Seniority
Senior
Job Description
Underwriting Consultant
Protective Life
• 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
Job Requirements
- 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
- Industry coursework commensurate with experience (preferred)
- Progress toward or completion of industry designations such as FALU, FLMI, CLU, or equivalent coursework (preferred)
- Experience supporting distribution partners, including independent agents and BGAs (preferred)
- Experience with larger face amount individual life cases (preferred)
- Continued professional development aligned with life underwriting expertise (preferred)
Benefits
- Comprehensive health, dental and vision insurance
- Emotional wellbeing through mental health benefits
- Employee assistance program
- Paid time off
- Paid parental leave
- Short-term disability
- Cultural observance day
- Contributions to healthcare accounts
- Pension plan
- 401(k) plan with Company matching
- ProHealth Rewards platform for improving wellbeing and earning cash rewards
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