Job Description

Senior Underwriter

Company Overview

Our client is a well-established and growing life insurance organization with a strong entrepreneurial culture and a long-term vision for domestic and international expansion. Operating multiple insurance entities across more than two dozen states, the company has built a reputation for financial stability, operational excellence, and a collaborative, hands-on approach to business. With a lean and highly engaged leadership team, employees are empowered to make meaningful contributions across multiple areas of the organization while working in an environment that values innovation, accountability, and continuous improvement.

Key Responsibilities

• Review life insurance applications, medical records, financial documentation, and supporting information to assess risk and make sound underwriting decisions.
• Evaluate applications across both domestic and international lines of business, determining whether cases should be approved, declined, or require additional information.
• Exercise underwriting authority within established limits while ensuring decisions align with company guidelines and overall risk tolerance.
• Communicate effectively with agents, policyholders, third-party administrators, and internal departments to resolve underwriting issues and facilitate timely case processing.
• Apply underwriting manuals, guidelines, and MIB information to accurately assess medical and financial risks.
• Coordinate with reinsurance partners by referring cases that exceed treaty limits and managing the approval process.
• Ensure compliance with HIPAA regulations and assist with internal audits and regulatory requirements.
• Support the ongoing maintenance and enhancement of underwriting guidelines, procedures, and departmental best practices.
• Collaborate with executive leadership and the Chief Underwriter on international business initiatives, policy services, premium administration, accounting matters, and claims-related activities.
• Review underwriting appeals, contestable claims, and cases involving potential misrepresentation.
• Participate in strategic initiatives, cross-functional projects, and continuous improvement efforts designed to enhance operational efficiency.
• Stay informed on industry trends, regulatory developments, and emerging underwriting practices to support organizational growth and excellence.

Qualifications & Requirements

• Minimum of 5 years of life insurance underwriting experience with strong expertise in both medical and financial underwriting.
• Comprehensive understanding of life insurance underwriting principles, risk assessment methodologies, and sound underwriting judgment.
• Ability to work independently and make well-reasoned underwriting decisions with minimal supervision.
• Excellent analytical, problem-solving, organizational, and attention-to-detail skills.
• Strong written and verbal communication skills with the ability to build effective relationships with agents, customers, reinsurers, and internal stakeholders.
• Bachelor's degree in Business, Health Sciences, or a related field preferred; equivalent industry experience will also be considered.
• Experience with policy administration systems and life insurance operations is advantageous.
• Professional designations such as FALU or FLMI are preferred.
• Experience with reinsurance platforms, KY Policy Administration System (KY PAS), or EKG certification is a plus.
• Bilingual Spanish/English skills are desirable but not required.
• Adaptable, collaborative, and comfortable working in a fast-paced environment where responsibilities span multiple functional areas and strategic initiatives.