Underwriting Large Case Specialist

• Act as a senior technical authority for large-case and financial underwriting, adjudicating highly complex and high-value individual life cases while balancing competitive offers, mortality protection, product expectations, and established underwriting guidelines.
• Review complex appeals, reference cases, and reinsurance submissions, ensuring decisions are well-supported, consistent, and aligned with applicable risk standards.
• Provide expert judgment on escalated underwriting issues, troubleshooting challenging cases and serving as a resource for underwriters, managers, and other stakeholders.
• Evaluate complex financial information, including financial statements, tax returns, and other documentation, to support sophisticated risk assessments.
• Apply advanced reinsurance knowledge, including interpretation of treaty language, retention limits, and automatic and facultative reinsurance requirements, while collaborating with reinsurance partners when needed.
• Work closely with field partners, distribution leaders, agencies, and home-office teams to gather information, resolve issues, negotiate appeals, and communicate underwriting decisions professionally and effectively.
• Serve as a trusted consultative partner to distribution and field leadership, providing responsive guidance that supports case placement, strengthens relationships, and improves the experience for producers and customers.
• Maintain strong knowledge of underwriting guidelines, risk assessment methodologies, regulatory requirements, and evolving industry practices to promote compliant and consistent decision-making.
• Champion the adoption and effective integration of modern underwriting technologies, including electronic health records, generative AI, wearable technology, and other emerging tools.
• Mentor, train, and guide underwriters in advanced financial underwriting practices, helping elevate technical capabilities and decision quality across the team.
• Monitor developments across the life insurance and underwriting landscape and share relevant insights to inform prudent business and risk decisions.

Requirements:

• 15–20+ years of experience in individual life underwriting, with substantial depth in complex and large-case risk assessment.
• Proven experience underwriting large and high-value cases, particularly for high-net-worth applicants.
• Deep expertise in individual life underwriting, including complex financial underwriting and significant underwriting authority.
• Demonstrated experience working within reinsurance frameworks, including treaty interpretation, retention limits, automatic and facultative reinsurance, and collaboration with reinsurance underwriters.
• Strong ability to analyze complex financial documentation such as financial statements, tax returns, and related information.
• Industry-recognized education or professional credentials such as FALU, FLMI, or comparable qualifications.
• Familiarity with emerging underwriting technologies, including electronic health records, generative AI, and wearable technology, as well as an understanding of behavioral economics concepts.
• Strong analytical, problem-solving, and decision-making skills, with the ability to adapt established approaches and develop innovative solutions for complex situations.
• Ability to work independently and confidently while exercising sound judgment within assigned approval authority.
• Excellent written and verbal communication skills, with the ability to influence peers, collaborate across functions, and communicate complex underwriting decisions clearly to technical and non-technical audiences.
• Strong relationship-building and consultative skills, particularly when working with distribution leaders, field partners, agencies, and senior stakeholders.
• Demonstrated ability to mentor and develop colleagues while contributing to a culture of high technical standards and continuous improvement.
• Ability to travel occasionally, with travel expected to be less than 10%.
• Must be legally authorized to work in the United States without current or future employer sponsorship.

Benefits:

• Fully remote position within the United States.
• Full-time employment with a base salary range of $110,350–$181,285 USD, with final compensation determined by education, experience, knowledge, abilities, and primary work location.
• Potential eligibility for annual, sales, or other incentive compensation in addition to base salary.
• Comprehensive and flexible benefits and resources designed to support physical, financial, and overall well-being.
• Opportunities for skill-building, leadership development, and career growth.
• Access to professional development and opportunities to contribute to community and philanthropic initiatives.
• Supportive and inclusive workplace culture focused on high ethical standards and employee well-being.
• Reasonable workplace and application accommodations available for qualified individuals with disabilities and other eligible needs.