Life Underwriting Sr. Consultant (Remote)

Securian Financial•Minnesota-Remote, MN

1d•$91,700 - $169,600•Remote

About The Position

The Life Underwriting Sr. Consultant is responsible for evaluating life insurance applications and selecting risks that align with company profitability objectives while maintaining a competitive position in the marketplace and delivering fair, equitable outcomes for applicants. This role reviews, analyzes, and classifies new business, changes, reinstatements, and inquiries with a high degree of accuracy and timeliness. The Underwriting Sr Consultant operates as a trusted partner to distribution, a key contributor to team performance, and a subject matter expert within the underwriting team.

Requirements

Bachelor’s degree or equivalent experience
Minimum of 7 years of life underwriting experience
Demonstrated expertise in substandard underwriting
Demonstrated expertise in large case underwriting
Underwriting knowledge across medical and financial risk assessment
Strong decision-making skills with the ability to act independently in real time
Proven ability to analyze complex cases and apply sound judgment
Effective written and verbal communication skills
Ability to document rationale clearly and consistently
Proficiency in financial underwriting, including business cases
Understanding of reinsurance principles and when to engage partners
Results-oriented with a focus on quality and productivity
Agile mindset with a focus on continuous improvement and innovation
Trusted advisor to the field and internal partners
Strong collaborator who drives both business outcomes and team development
Consistently delivers high-quality decisions while supporting a positive customer and advisor experience

Nice To Haves

Industry designations (FLMI, FALU, CLU)

Responsibilities

Evaluate applications within assigned authority by analyzing medical, financial, and lifestyle risk factors to determine acceptability and appropriate classification
Exercise sound judgment to identify potential fraud and ensure compliance with underwriting guidelines
Make timely and accurate decisions while balancing risk selection, competitiveness, and customer experience
Recommend decisions and provide clear rationale on cases outside authority or of higher complexity
Order only necessary and appropriate requirements to efficiently assess risk
Manage workload to consistently meet or exceed productivity and quality expectations
Approve applications up to established authority limits (e.g., over $3M all ages and ratings)
Collaborate with reinsurers as needed for rated cases and large case reviews
Build and maintain strong relationships with brokers, advisors, and internal partners
Communicate underwriting decisions clearly, professionally, and empathetically to foster trust and encourage future business
Identify opportunities to improve underwriting processes and enhance the customer experience
Contribute to departmental initiatives and special projects as directed
Provide insights and solutions to management regarding team, workflow, or operational challenges