Underwriting Consultant - Life Underwriting - Remote

Symetra•,

13h•$96,700 - $161,200•Remote

About The Position

Symetra is seeking an Underwriting Consultant to join its Life Underwriting Department. The role evaluates complex mortality risks, applying sound underwriting principles while responding to customer and market needs. The consultant reviews individual life insurance applications and underwrites standard and substandard risks within authorized limits and department guidelines. The position also serves as an underwriting resource and representative for the function within Symetra and at appropriate external events.

Requirements

At least 7–10 years of cumulative, relevant experience.
Proven analytical and problem-solving skills.
Strong attention to detail and ability to manage large caseloads and provide quick turnaround while maintaining Symetra’s mortality standards.
Strong technical and financial underwriting skills.
Service orientation, commitment to deadlines, and ability to prioritize and handle multiple tasks in a demanding work environment.
Strong written and verbal interpersonal and communication skills.
Mastery of underwriting principles and practices, insurance medicine, financial underwriting, field operations, product offerings, and life insurance contract law.
Strong negotiation skills.
High school diploma required.
Applicants must be authorized to work in the United States at hire and maintain work authorization throughout employment; employer work visa sponsorship and support are not provided.
Remote employees must have reliable internet of at least 100 Mbps download and 20 Mbps upload using fiber, cable, or DSL. Satellite, cellular broadband, other wireless technology, and wired dial-up are not permitted.
Candidates must participate in video interviews after the initial phone screen and comply with identity-verification procedures.

Nice To Haves

College degree preferred.

Responsibilities

Review individual life insurance applications and underwrite standard and substandard risks within authorized limits and department guidelines.
Evaluate applicants’ medical histories, financial backgrounds, insurable interests, and financial needs to determine whether to accept, reject, or modify life insurance risks.
Consult with Consultant-level Underwriters and above, the Medical Director, the Director of Individual Underwriting, and/or the Chief Underwriter on complex cases or situations not established by practice; obtain a second signature for cases exceeding designated authority.
Meet established service-time standards.
Serve as an underwriting expert and go-to resource for other underwriters, and handle high-visibility, high-face-amount, or otherwise special cases as a designee.
Explain adverse underwriting decisions to agents and producers while maintaining agency relationships and encouraging future business.
Identify resources and projects that improve underwriting staff and understanding of the business line within the company and industry.
Represent the underwriting function in interdepartmental meetings and projects.
Represent Symetra at external functions as appropriate.