Underwriting Consultant Principal - Innovations | Remote

What You Do

As Underwriting Consultant Principal – Innovations, you’ll play a key role in Allianz Life’s growth and long‑term success by researching, evaluating, testing, and implementing new tools and programs to advance the underwriting process, enhance the applicant experience, and increase producer loyalty. You will work closely with Underwriting Leadership, Actuarial, Reinsurance, Forensic Underwriting, and the Innovations Team to bring automation and streamlined processing into the underwriting workflow. You will build strong vendor relationships, identify new opportunities, and contribute to the multi‑year roadmap for continuous improvement in the Policy Acquisition Ecosystem.

• Serve as a critical part of the placement of Life Insurance coverage and can directly impact our position in the marketplace and relationship with distribution partners
• Focus on mortality by evaluating risk of death, which includes history, degree of medical maintenance, treatment, and flags of potential future risk
• Perform the research and analysis to prepare recommendations for modifications in current tool usage, as well as implementing new tools
• Lead pilots, when appropriate, to test new tools and processes
• Meet regularly with key stakeholders, reinsurers, and vendors to keep abreast of new technology, data sources, and processes that can improve the underwriting process
• Work closely with Life Ops Enablement Team to identify key areas for automation, including development, implementation, and expansion of the instant decision process
• Partner with Forensic Underwriter to identify gaps and trends in the fluidless programs, with a goal of increasing the fluid‑less rate, without negatively impacting pricing assumptions
• Present findings, recommendations, and roadmap plans to all levels of leadership
• Build out future state of the innovation platform
• Requires in-depth knowledge and experience with accelerated/fluidless programs, the use of underwriting digital health data sources, and underwriting rules output
• Uses best practices and knowledge of internal or external business issues to improve process, programs or services
• Prepares and presents at the executive level program results and recommendations
• Utilization of artificial intelligence tools and resources (e.g., generative AI)

What You Bring

• 7+ years of underwriting experience with proven proficiency in all underwriting processes and philosophies to include strong cardiac background and older age underwriting; ability to handle advanced decision level authorities without a co‑signature
• Completion of LOMA 280/281 and 290/291; actively working toward AALU and FLMI; Professional Designations: AALU/FALU and FLMI preferred
• Strong PC and typing skills, including general Microsoft skills required to data enter and process information; extremely comfortable with web‑based underwriting analysis tools and imaging systems
• Effective written and verbal communication skills with ability to build rapport and gain acceptance at all levels internally and externally while exercising diplomacy and resourcefulness
• Critical thinking skills and attention to detail with ability to quickly identify information by categorizing, estimating, recognizing differences or similarities, and detecting changes in circumstances or events
• Ability to interpret meaning of information for others; translating or explaining what information means and how it can be used
• Ability to develop specific goals, plan, and prioritize work
• You must be legally authorized to work in the U.S. without requiring immigration sponsorship now or in the future. This includes holders of H‑1B, H4, L‑1, L‑2, TN, OPT, CPT, and other nonimmigrant visas

Job posting range: $100,000 - $150,500

Note the job posting range is exclusive of company benefits or other compensation. This role is also eligible for an annual incentive program. If you are hired, your final base salary will be determined based on factors such as geographic location, experience, skills, competencies, and/or education. In addition to those factors, we will also consider internal equity of our current employees. Please keep in mind that the range provided is the full base salary range for the role. Hiring at or near the maximum of the range would not be typical to allow for future and continued salary growth.

What We Offer

At Allianz Life, we’re proud to provide a benefits package that supports the True Balance of our employees and their families. We offer a choice of comprehensive medical, dental and vision plan options, flexible spending and health savings accounts, tuition reimbursement, student loan retirement program, generous annual paid leave, an outstanding 401(k) company match, and life insurance. Our employees also enjoy an award‑winning campus with an array of discounted amenities, including an onsite health center, child development center, fitness facility, convenience store and two cafeterias. Our generous benefits, campus amenities and inclusive, engaged culture are among the many reasons we’re routinely recognized as a top workplace employer.

Equal Opportunity Statement

We therefore welcome applications regardless of race, ethnicity or cultural background, age, gender, nationality, religion, social class, disability or sexual orientation, or any other characteristics protected under applicable local laws and regulations.