Underwriter IV

Location: Remote
Work Type: Full Time Regular
Job No: 505136
Categories: Underwriting
Application Closes: Open Until Filled

We’re looking for a highly experienced and knowledgeable Underwriter IV to join our team and take on complex and high-impact individual life insurance cases. This role requires deep technical expertise, sound judgment, and strong partnership with the field.  If you thrive on complexity, and are known for your leadership and decision-making skills, we’d love to talk with you.

WHAT WE CAN OFFER YOU:

• Estimated Salary: $86,000 - $114,000, 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:

• Underwrite highly complex individual life cases with significant mortality and financial impact, including formal applications, and pre-quote requests, within a life approval authority of $5 million+.
• Offer expert evaluation and guiding decisions beyond the authority of junior underwriters.
• Review, approve, and provide guidance on underwriting decisions made by other underwriters, ensuring adherence to company guidelines, selection standards, and risk philosophy.
• Partner closely with agents, brokers, and field leadership, communicating underwriting decisions clearly and professionally while building strong, trusted relationships.
• Support continuous improvement efforts by mentoring underwriters, monitoring workflow quality and volume, contributing to underwriting guidelines, and staying current on products, regulations, and industry trends.

WHAT YOU’LL BRING:

• Extensive individual life underwriting experience, including impaired risks and large case underwriting, with demonstrated success operating at full authority levels.
• 5+ years of life underwriting experience, with the confidence and judgment to make and defend complex underwriting decisions using sound medical, financial, and actuarial reasoning.
• Experience working under pressure while maintaining attention to detail, sound judgment, and compliance with company and industry standards.
• Strong technical foundation, including completion of LOMA 280/281, 290, 311, 386, and ALU 101 & 201 (or equivalent depth of knowledge).
• Excellent decision-making, analytical, and communication skills, with the ability to clearly explain underwriting outcomes to both internal partners and the field.
• High level of independence and accountability, paired with strong organizational skills, attention to detail, and the ability to perform under deadline pressure.
• You promote a culture of diversity and inclusion, 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:

• Bachelor’s degree or equivalent experience; FLMI, FALU, CLU designation completed or in progress.
• Experience with Accelerated Underwriting programs and/or Long-Term Care underwriting.
• Prior involvement in field training, underwriting policy development, or special underwriting initiatives.

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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