Senior Life Insurance Underwriter - Remote / Telecommute

Job Description:

Pay Range: $40hr - $45hr

Responsibilities: ? Evaluate and handle all underwriting aspects of formal & informal life insurance applications. ? Determine whether to accept, modify, or decline a risk through evaluation of an individual's medical history or physical condition, occupational hazard, and financial background. ? Deliver the best offer first to drive the sale and not only a decision. ? Provide efficient, quality service to third party firms, their staff and their advisors. ? Communicate effectively with customers to explain underwriting decisions and facilitate placement of business. ? Understand underwriting policies, guidelines, practices and procedures. ? Influence and champion changes to improve processes while maintaining mortality expectations. ? Tailor communication style to fit a variety of target audiences, i.e. agency, new business personnel and foster relationships with advisors and third party partners. ? Collaborate effectively with stakeholders to gather information necessary for decision making and to select profitable risks. ? Provide consultations with third party firms to resolve, rate questions and discrepancies, or risk related concerns. ? Consider total case financials, relationship and value of customer; ? Leverage interpersonal and emotional intelligence skills to develop relationships with key business partners across this competitive landscape, which can be relied on to inform decisions and communicate underwriting decisions; ? Able to independently work assigned requests with minimal direction. ? Comfortable with ambiguity. ? Build trust and foster strong rapport with colleagues, business partners, and third party customers. Qualifications: ? 5+ years life insurance underwriting experience with at least (USD)3 - (USD)5 million Life Insurance underwriting authority. ? Expert knowledge of all aspects of risk selection (medical, non-medical, financial). ? Mastery of key underwriting concepts, best practices, and procedures including identifying exposures to loss, material hazards, and implementation of necessary risk management controls. ? Strong knowledge of UW administrative systems, product rules, Underwriting Guidelines and medical factors impacting mortality and the keen ability to position with brokers and sales partners. ? 7+ years underwriting experience with over (USD)3 - (USD)5M life approval limit (most current 3+ years on life insurance). ? Term and permanent life insurance underwriting. ? Third party distribution, banks or wire house underwriting experiences. Reinsurance Experience: ? Industry exams completed, i.e. FMLI, FALU, CLU, ChFC. ? Demonstrated track record of working with minimal supervision, being a self-starter and working with others in a team environment. ? Ability to think critically, problem solve using data to drive toward resolution. ? Positive, inclusive, agile, and collaborative mindset. ? Strong verbal and written communication skills. Education: ? High school diploma or GED.

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