Senior Associate Underwriter

This position is posted by Jobgether on behalf of a partner company. We are currently looking for a Senior Associate Underwriter in the United States.

This role offers the opportunity to contribute to high-impact life insurance underwriting decisions within a well-established and evolving financial services environment. You will evaluate complex applications, including medical and non-medical risk factors, to determine appropriate underwriting outcomes such as approvals, ratings, or declines. Working primarily with cases involving Attending Physician Statements, you will apply medical knowledge, underwriting guidelines, and analytical judgment to assess mortality risk accurately. In this role, you will collaborate closely with agents and internal teams to ensure timely, transparent, and customer-focused decision-making. You will also contribute to process improvements, training initiatives, and cross-functional projects that enhance underwriting efficiency. This position is ideal for a detail-oriented professional who thrives in a structured yet evolving environment where precision and communication directly influence customer outcomes.

Accountabilities

n this role, you will be responsible for evaluating life insurance applications and making informed underwriting decisions based on medical and non-medical risk assessment, while ensuring accuracy, consistency, and strong service quality.

Review and assess life insurance applications up to defined risk thresholds, including cases involving Attending Physician Statements
Apply underwriting guidelines, medical knowledge, and analytical judgment to classify mortality risk and determine appropriate decisions
Recommend outcomes such as approvals, substandard ratings, declines, or requests for additional information
Communicate underwriting decisions, requirements, and case updates to agents and internal stakeholders in a clear and professional manner
Maintain strong knowledge of underwriting systems, product rules, and medical terminology to support accurate decision-making
Participate in training, workflow enhancements, and cross-functional initiatives to improve underwriting processes and customer experience

Requirements

This role requires solid experience in life underwriting, strong analytical capabilities, and the ability to interpret medical and non-medical information to assess risk effectively.

Bachelor’s degree preferred or equivalent relevant experience
3+ years of life underwriting experience with strong understanding of mortality risk assessment
Strong knowledge of medical terminology and ability to evaluate medical impairments
Excellent analytical and critical thinking skills with attention to detail in complex case evaluation
Strong written and verbal communication skills for effective interaction with agents and internal teams
Customer-focused mindset with the ability to balance accuracy, speed, and service quality
Experience with Attending Physician Statements and complex underwriting cases preferred
Familiarity with underwriting systems, reinsurance concepts, and automated decision tools is a plus
Exposure to workflow improvement initiatives or cross-functional projects is an advantage

Benefits

Competitive base salary range: $73,000 – $124,900
Annual discretionary bonus eligibility and potential incentive compensation
Comprehensive health coverage including medical, dental, and vision insurance
Retirement savings programs and financial planning support
Paid time off, leave programs, and flexible work arrangements
Adoption assistance and student loan repayment support programs
Professional development and training opportunities
Inclusive and values-driven workplace culture focused on long-term growth

How Jobgether works:

We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team.

We appreciate your interest and wish you the best!

Why Apply Through Jobgether?

Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.

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Requirements

Benefits

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