Risk Team Underwriter

Location: Remote
Work Type: Full Time Regular
Job No: 505240
Categories: Underwriting
Application Closes: Open Until Filled

We are seeking an experienced Underwriter to join our Risk Team. In this role, you’ll serve as a liaison between Individual Life Underwriting and Corporate partners, providing specialized underwriting expertise to evaluate potential risk, investigate concerns, and support fraud-risk mitigation.

WHAT WE CAN OFFER YOU:

• Estimated Salary: $86,000 - $105,000, plus annual bonus opportunity.
• 401(k) plan with a 2% company contribution and 6% company match.
• Work-life balance with vacation, personal time and paid holidays. See our benefits and perks page for details.
• Applicants for this position must not now, nor at any point in the future, require sponsorship for employment.

WHAT YOU'LL DO:

• Evaluate underwriting referrals involving MIB and medical data, provide recommendations, and determine when further investigation or referral to the Special Investigations Unit is appropriate.
• Conduct forensic underwriting reviews including background checks, medical record reviews, and post-issue analysis related to individual cases or underwriting programs.
• Partner with Underwriting Leaders and Compliance to review Department of Insurance inquiries and state regulatory actions and coordinate responses from the Individual Underwriting department.
• Conduct contestable claims reviews to identify potential material misrepresentation and communicate findings to the Claims department.
• Serve as a subject matter resource to Individual Life Underwriting teams and other Corporate partners on medical and financial underwriting processes, requirements, tools, and procedures.

WHAT YOU’LL BRING:

• Significant experience in Individual Life underwriting, with a strong understanding of medical and financial underwriting processes.
• Experience evaluating complex or escalated underwriting cases, including reviewing medical information and identifying potential risk concerns.
• Strong investigative and analytical skills, with the ability to evaluate information from multiple sources and make sound underwriting recommendations.
• Strong communication and collaboration skills, with the ability to work effectively with Underwriting, Claims, Compliance, and other business partners.
• Strong attention to detail and the ability to document and communicate findings clearly.
• You promote a collaborative culture, value different ideas and opinions, and listen courageously, remaining curious in all that you do.
• Able to work remotely with access to a high-speed internet connection and located in the United States or Puerto Rico.

PREFERRED:

• Experience with fraud-risk identification, forensic underwriting, or Special Investigations.
• Experience with contestable claims reviews or post-issue underwriting analysis.
• Experience working with Department of Insurance inquiries or state regulatory matters.

We value unique experience, skills, and passion for innovation. If your experience aligns with the listed requirements, please apply! 

If you have questions about your application or the hiring process, email our Talent Acquisition area at [email protected]. Please allow at least one week from time of applying if you are checking on the status.

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