Senior Associate Underwriter - Insurance

The Individual Disability Income Underwriter serves as an experienced underwriter within the Individual Disability Income organization, providing underwriting expertise to support sound risk selection, consistency, and quality outcomes across a growing line of business. Evaluate IDI applications and determine whether applications should be approved, declined, or if additional information is required based on morbidity, financial, and occupational risks according to company guidelines

Interpret underwriting policy and implement established guidelines, department procedures, and regulatory directives

Keep current on medical, financial, occupational and multi-life IDI underwriting related developments; Work with our reinsurance partners to negotiate and secure risk classification

Participate in personal training and development opportunities

Consult with medical directors and IDI Underwriting management for the purpose of resolving complex medical and non-medical histories

Assist with developing and mentoring junior underwriters

proven ability to evaluate financial, medical and occupational information to determine the most appropriate underwriting offer; strong working knowledge of medical terminology and awareness of how various medical impairments interact and affect individual morbidity risk

Experience with using AI‑driven medical record summaries, RX and DX data, and DHD in IDI risk assessment is preferred

Bachelor’s degree preferred; equivalent insurance or underwriting experience considered

LOMA and/or AHIP Insurance Designations preferred (ACS, DIA, DIF, ALMI, FALU, etc.)

Proficiency with Microsoft Office

Overtime eligible: Discretionary bonus eligible: Sales bonus eligible: Additionally, employees are eligible for an annual discretionary bonus. This role requires FINRA licensed and/or FINRA Associated Person pre‑hire fingerprinting.

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