Life Large Case Underwriting Consultant Principal
New
USFull-TimePrincipal
Salary117,000 - 200,000 USD per year
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Job Details
- Experience
- 8+ years
- Required Skills
- MentoringStakeholder management
Requirements
- 8+ years of experience in life insurance underwriting, with demonstrated expertise in complex case management.
- Bachelor’s degree in business, communications, medical-related field, or equivalent professional experience.
- Strong knowledge of medical and financial risk assessment, underwriting principles, and insurance product structures.
- Proven ability to make sound independent decisions under minimal supervision in high-complexity scenarios.
- Excellent communication skills with the ability to explain technical decisions clearly to both internal and external stakeholders.
- Experience mentoring or supporting junior underwriters or cross-functional teams is highly preferred.
- Strong analytical thinking, attention to detail, and ability to manage multiple priorities effectively.
Responsibilities
- Independently evaluate and underwrite routine to highly complex life insurance cases by analyzing medical records, financial data, exams, and other requirements to determine appropriate risk classification.
- Apply delegated underwriting authority, including auto-bind decisions, while ensuring alignment with internal guidelines and risk standards.
- Document underwriting assessments and decisions accurately within system platforms and maintain clear case records.
- Communicate underwriting outcomes to agents, field distribution, and internal partners while explaining decisions and offering guidance on alternative case approaches.
- Serve as a technical expert and informal leader by mentoring underwriters, supporting workload coordination, and contributing to team development.
- Collaborate with reinsurers, vendors, and internal stakeholders to resolve case issues and ensure smooth processing.
- Contribute to guideline enhancements, operational improvements, and departmental initiatives while representing underwriting in industry discussions and partner meetings.
- Utilize digital and AI-enabled tools to support underwriting efficiency and decision-making.
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