Underwriting Consultant

Underwriting ConsultantThis role involves reviewing and approving complex life insurance applications with a high level of independence. The position includes authority to make final decisions on large policies (up to $2,000,000) and to review cases referred by other underwriters. The role may also support projects such as audits, product development, training, systems, and claims.Key Responsibilities:Review medical and financial information to assess risk and make underwriting decisions based on guidelinesApprove or decline applications, including more complex or higher-value casesProvide guidance and final decisions on cases referred by other underwritersRespond to questions from agents on more complex casesWork with medical directors when needed on difficult medical reviewsBuild strong relationships with agents and partnersHelp lead training sessions and share underwriting knowledge with the teamMeet team goals for quality, turnaround time, and productivityHandle challenges professionally, including resolving conflicts and adapting to changeUnderstand how decisions impact other teams and processesAdditional Responsibilities (as needed):Audits: Review underwriting files to ensure accuracy and consistencyClaims: Assist in reviewing certain claims and provide input when neededProduct Development: Support new product efforts, including testing and feedbackSystems: Help develop or improve underwriting rules and processesParticipate in projects as an underwriting subject matter expertQualifications:Education & Experience: Associate degree required; Bachelor's degree preferred10+ years of life insurance underwriting experienceCertifications: FALU designation requiredLOMA certifications required (Customer Essentials, ACS, FLMI)Salary: $83,000 - $115,000 + bonusBenefits: Health, Dental, Vision, Life, 401k with employer match, PTO and tuition reimbursement