Life Insurance Brokerage Underwriter

Principal Underwriter

At Gallagher Benefit Services, you're a trusted partner to organizations navigating some of their most important people decisions. We help clients build better workplaces, where people feel supported, empowered, and inspired to thrive. Whether it's shaping benefit strategies, designing wellbeing programs, or advising on workforce challenges, the work you do here creates meaningful change for businesses and the people who power them. We're a community of bold explorers, trusted experts, and compassionate partners; working side by side to solve problems, and shape the future of work. Here, curiosity is encouraged, collaboration is second nature, and your ideas have room to grow. If you're looking for a place where your contribution matters and where you can help build a better world of work; think of Gallagher.

How You'll Make An Impact

Analyze and present complex, high-value cases to top-tier insurance carriers to secure priority consideration, while leading escalation negotiations to achieve optimal outcomes. Drive the implementation of innovative underwriting initiatives, including the RGA Proprietary Underwriting Platform and Exclusive Underwriting Events, to enhance differentiation and business growth. Represent Gallagher as an industry leader by participating in recruiting events, webinars, and blueprinting meetings, showcasing underwriting expertise and organizational capabilities. Review medical records and prepare case summaries for carrier presentations to achieve the most favorable underwriting results, while consulting with producers, clients, and stakeholders to explain assessments, address concerns, and ensure case readiness. Collaborate with the sales leadership team to understand the overall goals, strategies, and challenges of the sales department, ensuring that underwriting resources are utilized effectively to support sales objectives and maximize revenue opportunities. Partner with the Director of Operations to streamline workflows, defining roles and responsibilities across the team. Set guidelines for access to underwriters and train Case Managers to manage impaired-risk cases, lower face amounts, and draft Quick Quote summaries. Spearhead the integration of artificial intelligence to enhance underwriting efficiency and effectiveness, ensuring alignment with Gallagher's strategic objectives.

About You

10+ years progressive experience in underwriting, reinsurance, or brokerage with emphasis on life and annuity products. Proven success managing high-value, complex cases and leading carrier negotiations/escalations. Experience leading underwriting initiatives and improving/streamlining workflows. Expert knowledge of life insurance and annuity underwriting guidelines and best practices, including impaired-risk assessment and case structuring. Strong understanding of reinsurance programs and experience with proprietary underwriting platforms (e.g., RGA Proprietary Underwriting Platform). Knowledge of insurance industry trends, carrier strategies, and regulatory compliance related to life insurance underwriting. Understanding of sales processes and relationship management to align underwriting support with sales goals. Strategic, analytical problem-solver able to navigate complex cases and develop innovative underwriting solutions. Ability to mentor, train, and develop team members while improving process efficiency. Highly organized with the ability to manage multiple high-stakes priorities simultaneously. Strong interpersonal and communication skills to collaborate with clients, producers, sales teams, and carrier representatives. Able to present complex information clearly and persuasively to internal and external stakeholders. Leadership presence to represent Gallagher at industry events, webinars, and meetings.

Compensation And Benefits

We offer a competitive and comprehensive compensation package. The base salary range represents the anticipated low end and high end of the range for this position. The actual compensation will be influenced by a wide range of factors including, but not limited to previous experience, education, pay market/geography, complexity or scope, specialized skill set, lines of business/practice area, supply/demand, and scheduled hours. On top of a competitive salary, great teams and exciting career opportunities, we also offer a wide range of benefits. Below are the minimum core benefits you'll get, depending on your job level these benefits may improve: Medical/dental/vision plans, which start from day one! Life and accident insurance 401(K) and Roth options Tax-advantaged accounts (HSA, FSA) Educational expense reimbursement Paid parental leave Other benefits include: Digital mental health services (Talkspace) Flexible work hours (availability varies by office and job function) Training programs Gallagher Thrive program – elevating your health through challenges, workshops and digital fitness programs for your overall wellbeing Charitable matching gift program And more...

The benefits summary above applies to fulltime positions. If you are not applying for a fulltime position, details about benefits will be provided during the selection process. We value inclusion and diversity. Gallagher embraces our employees' diverse identities, experiences and talents, allowing us to better serve our clients and communities. We see inclusion as a conscious commitment and diversity as a vital strength. By embracing diversity in all its forms, we live out The Gallagher Way to its fullest. Gallagher believes that all persons are entitled to equal employment opportunity and prohibits any form of discrimination by its managers, employees, vendors or customers based on race, color, religion, creed, gender (including pregnancy status), sexual orientation, gender identity (which includes transgender and other gender non-conforming individuals), gender expression, hair expression, marital status, parental status, age, national origin, ancestry, disability, medical condition, genetic information, veteran or military status, citizenship status, or any other characteristic protected by applicable federal, state, or local laws. Equal employment opportunity will be extended in all aspects of the employer-employee relationship, including, but not limited to, recruitment, hiring, training, promotion, transfer, demotion, compensation, benefits, layoff, and termination. In addition, Gallagher will make reasonable accommodations to known physical or mental limitations of an otherwise qualified person with a disability, unless the accommodation would impose an undue hardship on the operation of our business.