Life Underwriter (100% Remote)
About The Position
TEKsystems is seeking experienced Life Underwriters to join a growing team in a fully remote capacity. The role focuses on fully underwritten life insurance cases, medical record analysis, and risk classification, and offers the opportunity to work independently in a high-volume underwriting operation. Candidates must be based in the U.S.; candidates located in California or New York are not eligible. The position is described as contract to hire, with a minimum contract period of four months, and is based out of Dallas, Texas. The role is fully remote. The standard schedule is 8:00 AM–5:00 PM, with an alternate schedule of 7:00 AM–4:00 PM. The pay range is $31.25–$38.46 per hour; individual compensation depends on factors including qualifications, skills, relevant experience, job knowledge, geographic location, and internal equity. Eligible benefits for this temporary role may include medical, dental and vision coverage; critical illness, accident and hospital coverage; a 401(k) retirement plan with pre-tax and Roth post-tax contributions; voluntary life and AD&D insurance for employees and dependents; short- and long-term disability; a health spending account; transportation benefits; an employee assistance program; and time off or leave such as PTO, vacation or sick leave. Benefits eligibility and terms may vary.
Requirements
- At least 2–3 years of life underwriting experience.
- Experience with fully underwritten products; automated underwriting experience alone does not meet this requirement.
- Strong knowledge of medical terminology, prescription history analysis, and life insurance risk assessment.
- Signing authority of $100,000 or more.
- Proven ability to manage high case volumes efficiently.
- Ability to work independently in a remote environment with minimal supervision.
- Must be based in the U.S.; candidates located in California or New York are not eligible.
Nice To Haves
- Experience with tools such as Milliman or Intelliscript.
- Ability to review and interpret detailed medical records, including APS.
- Familiarity with Swiss Re or similar underwriting guidelines.
Responsibilities
- Evaluate life insurance applications to determine standard and substandard risk classifications.
- Review medical records, Attending Physician Statements (APS), and prescription histories.
- Assess high-risk medications and medication combinations.
- Analyze adverse health information and determine underwriting outcomes.
- Order medical examinations and follow up on required documentation.
- Interpret and apply Medical Information Bureau (MIB) codes.
- Identify off-label medication use and assess its impact on underwriting decisions.
- Evaluate reinstatements, add-ons, and policy modifications.
- Meet productivity standards while reviewing a high volume of cases.
- Apply medical terminology knowledge to underwriting decisions.
Benefits
- Medical, dental, and vision coverage, if eligible.
- Critical illness, accident, and hospital coverage, if eligible.
- 401(k) retirement plan with pre-tax and Roth post-tax contributions, if eligible.
- Voluntary life and AD&D insurance for employees and dependents, if eligible.
- Short- and long-term disability, if eligible.
- Health Spending Account (HSA), if eligible.
- Transportation benefits, if eligible.
- Employee Assistance Program, if eligible.
- Time off or leave, including PTO, vacation, or sick leave, if eligible.
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What This Job Offers
Career Level
Mid Level
Education Level
No Education Listed
