Life Underwriting Consultant
Overview:
The Life Underwriting Consultant is responsible for evaluating life insurance applications and selecting risks that align with company profitability objectives while maintaining a competitive position in the marketplace and delivering fair, equitable outcomes for applicants. This role reviews, analyzes, and classifies new business, changes, reinstatements, and inquiries with a high degree of accuracy and timeliness. The Life Underwriting Consultant operates as a trusted partner to distribution, a key contributor to team performance, and a subject matter expert within the underwriting team.
Responsibilities include but are not limited to:
Risk Assessment & Decisioning
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Evaluate applications within assigned authority by analyzing medical, financial, and lifestyle risk factors to determine acceptability and appropriate classification
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Exercise sound judgment to identify potential fraud and ensure compliance with underwriting guidelines
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Make timely and accurate decisions while balancing risk selection, competitiveness, and customer experience
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Recommend decisions and provide clear rationale on cases outside authority or of higher complexity
Case Management & Execution
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Order only necessary and appropriate requirements to efficiently assess risk
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Manage workload to consistently meet or exceed productivity and quality expectations
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Approve applications up to established authority limits (e.g., up to $3M all ages and ratings)
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Collaborate with reinsurers as needed for rated cases
Field & Partner Relationship Management
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Build and maintain strong relationships with brokers, advisors, and internal partners
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Communicate underwriting decisions clearly, professionally, and empathetically to foster trust and encourage future business
Process Improvement & Organizational Contribution
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Identify opportunities to improve underwriting processes and enhance the customer experience
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Contribute to departmental initiatives and special projects as directed
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Provide insights and solutions to management regarding team, workflow, or operational challenges
Qualifications
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Bachelor’s degree or equivalent experience
- Minimum of 3 years of life underwriting experience
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Demonstrated expertise in substandard underwriting
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Underwriting knowledge across medical and financial risk assessment
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Strong decision-making skills with the ability to act independently in real time
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Proven ability to analyze complex cases and apply sound judgment
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Effective written and verbal communication skills
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Ability to document rationale clearly and consistently
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Proficiency in financial underwriting, including business cases
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Understanding of reinsurance principles and when to engage partners
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Results-oriented with a focus on quality and productivity
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Agile mindset with a focus on continuous improvement and innovation
Preferred Qualifications
- Industry designations (FLMI, FALU, CLU)
Preferred Skills:
Customer Service, Decision Making, External Communication, Internal Communications, Multitasking, Relationship Management The estimated base pay range for this job is:
$73,700.00 - $136,800.00
Pay may vary depending on job-related factors and individual experience, skills, knowledge, etc. More information on base pay and incentive pay (if applicable) can be discussed with a member of the Securian Financial Talent Acquisition team.
Be you. With us. At Securian Financial , we understand that attracting top talent means offering more than just a job – it means providing a rewarding and fulfilling career. As a valued member of our high-performing team, we want you to connect with your work, your relationships and your community. Enjoy our comprehensive range of benefits designed to enhance your professional growth, well-being and work-life balance, including the advantages listed here:
Paid time off:
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We want you to take time off for what matters most to you. Our PTO pr