Senior Underwriting Consultant

Protective • Nebraska - Virtual, NE

9d • $84,000 - $128,000 • Remote

About The Position

The work we do has an impact on millions of lives, and you can be a part of it. We help protect our customers against life’s uncertainties. Regardless of where you work within the company, you’ll be helping provide protection and peace of mind when our customers need it most. We are seeking a Sr. Underwriting Consultant to join our Life Underwriting team in a fully remote capacity. This role is designed for a highly experienced underwriter who can independently evaluate complex, high-face-amount cases while serving as a subject matter expert and mentor to others. You will play a critical role in balancing risk assessment, customer experience, and distribution relationships, particularly within the independent/BGA marketplace.

Requirements

• Bachelor’s degree or equivalent experience and a minimum of 10 years of life insurance underwriting experience
• Proven ability to underwrite large and complex cases, including impaired risks
• Experience working within the independent agent / brokerage (BGA) distribution channel
• Demonstrated decision-making authority on higher face amounts and complex risk profiles
• Strong analytical and risk assessment skills in a dynamic environment
• Excellent communication and relationship management abilities
• Customer-focused mindset with a commitment to service excellence
• Ability to manage competing priorities and maintain productivity
• Proven track record of quality decisions, productivity, and career progression

Nice To Haves

• Industry designations such as FALU, FLMI, CLU, or equivalent coursework
• Continued professional development aligned with underwriting expertise

Responsibilities

• Underwrite complex individual life insurance cases, including impaired risk, with face amounts typically above $5M and authority up to $10M
• Analyze medical, financial, and non-medical information to make sound, timely underwriting decisions
• Provide second signature support and guidance to junior underwriters
• Partner closely with internal sales and distribution teams to support business objectives
• Build and maintain strong relationships with independent agents, BGAs, and key distribution partners
• Manage a high-volume caseload while meeting service and quality standards
• Communicate underwriting decisions clearly and effectively to internal and external stakeholders
• Contribute to team development through mentoring, training, and knowledge sharing

Benefits

• comprehensive health, dental and vision insurance
• mental health benefits
• employee assistance program
• paid time away benefits (e.g., paid time off, paid parental leave, short-term disability, and a cultural observance day)
• contributions to healthcare accounts
• a pension plan
• a 401(k) plan with Company matching
• ProHealth Rewards

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: Associate degree