Underwriting Consultant - Life Underwriting - Remote
About The Position
Symetra is hiring an Underwriting Consultant for its Life Underwriting Department. The role assesses complex mortality risks and makes thoughtful, consistent underwriting decisions that balance sound underwriting principles with customer and market needs. The consultant reviews individual life insurance applications and underwrites standard and substandard risks within authorized limits and departmental guidelines. The role also serves as an underwriting expert and resource for colleagues, supports improvements to underwriting staff and business-line understanding, and represents underwriting in internal and external settings.
Requirements
- At least 7–10 years of individual life underwriting experience.
- Proven analytical and problem-solving skills.
- Strong attention to detail and ability to manage large caseloads and provide quick turnaround while maintaining mortality standards.
- Strong technical and financial underwriting skills.
- Service orientation and commitment to deadlines, prioritization, and managing 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 authorization throughout employment; employer visa sponsorship and support are not provided.
- Remote employees must have internet service of at least 100 Mbps download and 20 Mbps upload through fiber, cable, or DSL; satellite, cellular broadband, other wireless technology, and wired dial-up are not permitted.
- Candidates must participate by video in 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 history, financial background, insurable interest, and financial need to decide whether to accept, reject, or modify risks.
- Consult with Consultant-level Underwriters and above, the Medical Director, the Director of Individual Underwriting, and/or the Chief Underwriter on complex or nonstandard cases.
- Obtain a second signature for cases exceeding designated underwriting authority.
- Meet established service-time standards.
- Serve as a role model and underwriting expert, acting as a go-to resource for underwriting issues.
- Handle high-visibility, high-face-amount, or otherwise special cases as a designee.
- Communicate adverse underwriting decisions to agents and producers while maintaining agency relationships and encouraging future business.
- Identify resources and projects to 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.
Benefits
- 401(k) plan with immediate vesting and company matching up to 6%.
- Paid vacation and sick time, flex days, and ten paid holidays.
- Company matching that doubles employees’ charitable contributions.
- Flexible full-time or hybrid telecommuting arrangements.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
High school or GED
