This position is posted by Jobgether on behalf of a partner company. We are currently looking for an Underwriting Consultant in United States.
This role serves as a senior-level underwriting expert within a life insurance underwriting organization, focused on evaluating complex and high-value cases while shaping the adoption of modern, technology-enabled underwriting practices. You will act as a trusted authority on difficult risk assessments, ensuring decisions are both competitive and fully compliant with internal guidelines, mortality expectations, and regulatory standards. The position blends deep technical underwriting expertise with a strong focus on innovation, including automated underwriting systems, data-driven tools, and emerging technologies. You will also play a key role in guiding peers, supporting escalations, and improving consistency across underwriting decisions. Working in a highly collaborative environment, you will partner closely with distribution, reinsurance, and leadership teams to enhance customer experience and operational efficiency. This is a high-impact role that directly influences risk outcomes, process modernization, and business growth.
Accountabilities:- Serve as a senior technical authority for life underwriting decisions, adjudicating the most complex and high-value cases while ensuring alignment with underwriting guidelines, mortality and morbidity expectations, and product standards.
- Review escalations, appeals, and reinsurance-related submissions, providing expert judgment and resolving complex underwriting challenges across teams.
- Apply deep reinsurance expertise, including treaty interpretation, retention limits, and facultative or automatic reinsurance structures, while collaborating with reinsurance partners.
- Partner with distribution and field leadership to provide consultative underwriting support, strengthen relationships, and ensure smooth case placement and customer experience.
- Champion the adoption of modern underwriting tools, automation platforms, and data-driven technologies to improve efficiency and decision-making.
- Mentor and guide underwriting peers, supporting capability development, consistent decision-making, and effective use of digital tools and processes.
- Monitor industry trends and contribute insights that support continuous improvement and strategic underwriting evolution.
Requirements:
- Extensive experience in individual life underwriting with demonstrated expertise handling complex, high-value cases and advanced risk evaluation.
- Strong understanding of reinsurance frameworks, including treaty language, retention structures, and facultative/automatic reinsurance processes.
- Proven ability to work with automated underwriting systems and data-driven decision tools, with openness to emerging technologies such as EHR, GenAI, and wearable data.
- Solid knowledge of underwriting quality control frameworks and audit processes, including post-issue reviews and continuous improvement methodologies.
- Excellent analytical, decision-making, and problem-solving skills with the ability to challenge precedent and develop innovative underwriting approaches.
- Strong communication and stakeholder management skills, with the ability to influence peers, leadership, and external partners.
- Demonstrated ability to mentor others and contribute to a collaborative, high-performance underwriting culture.
Benefits:
- Competitive base salary range with potential eligibility for annual and incentive compensation.
- Performance-based bonus opportunities aligned with business and individual outcomes.
- Comprehensive health coverage, including medical, dental, and vision plans.
- Retirement savings programs with employer contributions.
- Flexible and supportive work environment focused on work-life balance.
- Professional development opportunities, including leadership growth and skill-building programs.
- Access to inclusive wellness, well-being, and employee support initiatives.
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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