Senior Associate, Morbidity Underwriting Risk & Quality Solutions

Senior Associate, Morbidity Underwriting Risk & Quality Solutions

The Senior Associate, Morbidity Underwriting Risk & Quality Solutions is an advanced individual contributor responsible for ensuring the quality, consistency, and effectiveness of morbidity underwriting decisions across Long Term Care and Individual Disability Insurance.

This role owns morbidity underwriting quality insights, monitoring, and reporting, and plays a critical role in identifying trends, assessing adherence to guidelines, and driving improvements to underwriting practices, tools, and processes.

The individual operates with a high degree of independence, applying deep underwriting expertise and analytical judgment to evaluate outcomes, influence decision-making, and support continuous improvement across underwriting and modernization efforts.

What You'll Do:

Quality Oversight & Case Review

• Perform post-decision reviews of LTC and IDI underwriting cases to assess accuracy, consistency, and alignment with morbidity underwriting guidelines
• Apply expert judgment to evaluate whether underwriting decisions are equitable, balanced, and aligned with intended risk outcomes
• Identify decision inconsistencies, guideline deviations, training opportunities and areas of elevated risk

Trend Analysis & Insight Generation

• Own monitoring and analysis of morbidity underwriting quality trends across products, cohorts, and distribution channels
• Identify patterns in decisioning, including inconsistencies, leakage, or emerging risks
• Develop and maintain dashboards and reporting to track quality metrics and performance over time

Process Improvement & Recommendations

• Drive recommendations to improve underwriting quality and consistency, including:
• Training needs
• Updates to underwriting guidelines and procedures
• Enhancements to rules, tools, and systems
• Partner with underwriting leadership to prioritize and implement improvements

Cross-Functional Collaboration & Influence

• Collaborate with Morbidity Underwriting Managers, Product, and Underwriting Modernization teams to translate insights into actionable improvements
• Provide input into model evaluation, rule changes, and system enhancements impacting morbidity underwriting
• Facilitate working sessions to align stakeholders on findings, root causes, and solutions

Subject Matter Expertise & Governance Support

• Serve as a subject matter expert in morbidity underwriting quality and best practices
• Ensure adherence to underwriting guidelines, regulatory requirements, and internal standards
• Support governance routines by providing clear, data-driven insights into underwriting performance and quality

What You'll Bring:

Required Qualifications

• 5–10+ years of experience in life/health, LTC, or IDI underwriting with strong morbidity expertise
• Deep understanding of underwriting guidelines, risk assessment, and decision frameworks
• Experience reviewing complex underwriting decisions and identifying inconsistencies or risk patterns
• Strong analytical skills with ability to synthesize data and generate actionable insights
• Experience with reporting and data visualization tools (e.g., Excel, Qlik, Tableau, Power BI, SQL)
• Proven ability to influence cross-functional stakeholders without direct authority
• Strong written and verbal communication skills

Preferred Qualifications

• Experience in underwriting quality control, audit, or second-line review functions
• Experience supporting underwriting automation, models, or rules engines
• Experience using AI tools or willingness to research and build AI tools for efficiency of reviews.
• Industry designations (FLMI, FALU, DIA, DIF LTCP.)
• Experience working in Agile or product-based environments

Success Measures

• Improved consistency and accuracy of morbidity underwriting decisions
• Reduction in guideline deviations and quality defects
• Measurable improvements in underwriting outcomes and risk alignment
• Adoption of recommended process, guideline, and system enhancements
• Strength of cross-functional alignment and stakeholder engagement

Salary Range: $100,000-$143,000

Overtime eligible: Exempt

Discretionary bonus eligible: Yes

Sales bonus eligible: No

Actual base salary will be determined based on several factors but not limited to individual's experience, skills, qualifications, and job location. Additionally, employees are eligible for an annual discretionary bonus. In addition to base salary, employees may also be eligible to participate in an incentive program.

Please note: This role requires FINRA licensed and/or FINRA Associated Person pre-hire fingerprinting.