Senior Life Insurance Underwriter - REMOTE

Integrated Specialty Coverages, LLC (ISC) is a growth stage technology and data-driven commercial MGA and insurance wholesaler leading innovation in the market. Backed by one of the leading private equity firms, Onex Partners, and led by a forward-thinking management team, ISC is combining the worlds of insurance and technology to create an Insurtech powerhouse. As a leading online distributor of insurance products for a range of industries and "Main Street USA", we are looking for the right people to help us in our mission of achieving exponential growth. We strive to be the number one place to go for brokers and agents to source insurance. To accomplish this, we're building a digitally focused team that deeply understands the intersection between user experience, data, and AI/ML to optimize the way we engage with our customers and partners. Job Summary Review applications for excess insurance and evaluate applications to determine whether to accept or decline coverage based on established underwriting guidelines. Determine the level of coverage to be offered and appropriate pricing based on the exposures presented and individual risk characteristics. Assess excessive risks and determine value of policy to ensure safe and profitable distribution of risks. Become familiar with various commercial insurance applications and industry terminology. Use level of authority to accept, reject, or mitigate risk for applications. Approve or decline insurance applications within certain limits and issue coverage and prepare referral submission for risks exceeding individual authority. Review and analyze risk characteristics on insurance applications, renewals, and change requests. Documentation of Underwriting files including risk analysis and pricing justification in accordance with established underwriting standards. Offer recommendations to clients on insurance applications to reduce exposure to excessive risk. Utilize underwriting guidelines, rules, standards, and levels of authority to accept, reject, or mitigate risk for applications and determine appropriate premiums, limits, and coverages. Collaborate closely with the underwriting team to finalize insurance applications efficiently. Utilize multiple databases to gather and verify supplementary data for submissions and leverage specialized software to compare risks ensuring accurate policy pricing. Respond to customer needs, providing guidance and assistance tailored to their insurance needs. Process accounts from approved quotes through to policy issuance with accuracy and efficiency. Recommend ideas for program development and process improvement. Assist in the development of the Underwriting team through sharing knowledge and market intelligence, collaboration, and mentoring relationships. Minimum Qualifications Minimum 5 years of Excess underwriting or related insurance experience required Experience underwriting risk for the following classes: construction, hospitality, real estate, manufacturing CPCU, CIC, CRIS, Property & Casualty Brokers License, etc. a plus Proficiency in Microsoft Office Suite and ability to quickly learn industry-specific software Ability to work collaboratively with team members and other departments Strong desire to learn, explore new ideas, and seeking out new knowledge Ability to be flexible, embrace change, and quickly pivot in response to shifting priorities Role Progression The next level role is Lead Underwriter. Compensation This role also offers bonus in addition to base compensation. Your Talent Acquisition representative will share more details about the bonus component should you advance in the interview process. National Pay Range $101,000 - $127,000 USD Benefits of Working at ISC Employee Ownership Program - every eligible employee shares in the financial rewards that grow when the company grows Owner Referral Program Work from home reimbursement for remote/hybrid roles Canary emergency financial assistance program Life/AD&D Insurance Confidential, Employee Assistance Program Health Savings Account, includes company contribution Short-term disability Voluntary benefits - supplemental accident, critical illness, hospital insurance 401(k) Plan with company match contribution Addition Wealth Financial Wellness Program Applicants may contact the ISC HR department via e-mail or phone to request and arrange for an accommodation that will allow the applicant to successfully complete the application process. ISC believes in creating long-term relationships by being responsive and relevant and by consistently delivering value to our community of customers. Diversity creates a healthier atmosphere: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, gender, gender identity, sexual orientation, marital status, medical condition, genetic information, mental or physical disability, military or veteran status, or any other characteristic protected by local, state, or Federal law.