Senior Life Underwriter

This role is responsible for evaluating life insurance risks, making underwriting decisions, and contributing to the continuous improvement of underwriting processes and tools within a modern digital insurance platform.

• Assess life insurance applications by analyzing medical history, financial background, occupational risk, and lifestyle factors
• Determine appropriate underwriting decisions including acceptance, modification, or decline of risks in alignment with guidelines and mortality standards
• Apply underwriting policies, rules engines, and decision frameworks to ensure consistent and accurate outcomes
• Communicate underwriting decisions clearly in both written and verbal formats to internal teams and stakeholders
• Gather and interpret necessary information to support timely and accurate risk assessments
• Work independently on assigned cases with minimal supervision while managing workload efficiently
• Identify opportunities to improve underwriting processes, tools, and decisioning systems
• Collaborate with cross-functional teams to support product enhancements and operational improvements
• Stay current with industry standards, underwriting practices, and regulatory considerations

Requirements:

This position requires experienced life insurance underwriting professionals with strong technical knowledge of risk assessment and the ability to operate effectively in a fast-paced, technology-driven environment.

• 5–7 years of experience in life and/or health insurance underwriting
• Strong knowledge of medical, financial, and non-medical risk evaluation principles
• Experience underwriting both term and permanent life insurance products, including adult and juvenile cases
• Familiarity with underwriting rules engines and automated decisioning systems
• Ability to interpret complex medical and financial information to make sound underwriting judgments
• Strong written and verbal communication skills with the ability to explain decisions clearly
• Demonstrated critical thinking, problem-solving, and independent decision-making ability
• Experience working in environments that require adaptability and comfort with ambiguity
• Professional underwriting certifications (LOMA, ALMI, FALU, FMLI, etc.) preferred or in progress
• Collaborative mindset with openness to feedback and continuous improvement

Benefits:

• Competitive base salary ranging from $77,000 to $136,000 depending on experience and location
• Additional eligibility for bonus compensation and other performance-based incentives
• Health, dental, and vision insurance coverage
• Remote-friendly work environment
• Paid time off, parental leave, disability, and life insurance benefits
• Opportunity to work in a mission-driven organization transforming life insurance access
• Exposure to modern underwriting technology, automation, and rules-based decision systems
• Inclusive and collaborative culture focused on innovation and professional growth.