Underwriting Consultant

About the role

Join Protective's Life Underwriting team to safeguard individuals and families against life's uncertainties. This fully remote position offers the chance to independently assess complex life insurance applications and provide timely, customer-centric decisions.

Key facts

What you'll do

• Independently assess individual life insurance applications, including those with impaired risks, with an approval limit of $3 million.
• Analyze medical, financial, and other relevant information to make informed underwriting judgments.
• Review incoming case requirements and assign appropriate risk classifications based on established guidelines.
• Clearly and professionally communicate underwriting outcomes to both internal teams and external clients.
• Cultivate and maintain strong working relationships with independent agents, brokerages, and internal sales associates.
• Manage a caseload efficiently, adhering to production, quality, and service timelines.
• Collaborate with other departments to achieve business goals, facilitate case placement, and ensure a positive client experience.
• Organize work effectively to deliver accurate and prompt results in a demanding setting.

Requirements

• Hold a Bachelor's degree or possess equivalent practical experience.
• Accumulate at least 6 years of experience in life insurance underwriting.
• Demonstrate a proven capacity to underwrite substantial and intricate cases, including those with health impairments.
• Possess prior experience working within the independent agent and brokerage distribution channels.
• Show evidence of having made underwriting decisions for significant coverage amounts and complex risk profiles.

Nice to have

• Have completed industry-specific coursework relevant to your experience.
• Be working towards or have obtained professional designations such as FALU, FLMI, CLU, or equivalent.
• Have experience supporting distribution partners, including independent agents and BGAs.
• Have experience with individual life insurance cases involving larger face amounts.
• Engage in ongoing professional development to enhance life underwriting expertise.

Skills & tools

• Strong analytical and risk evaluation capabilities.
• Aptitude for making sound underwriting decisions in a changing environment.
• Excellent communication and interpersonal skills.
• A customer-oriented approach to underwriting and service.
• Ability to manage a significant workload while maintaining high standards of quality and output.
• Proficient organization, prioritization, and time management abilities.
• Capacity to collaborate effectively within a team setting.
• Familiarity with standard PC applications and underwriting software.
• Ability to perform well in a fast-paced work environment.

Practical notes

Protective offers a comprehensive benefits package designed to support employee wellbeing, including health, dental, and vision insurance, mental health support, and an employee assistance program. We also provide various paid time off benefits, including paid parental leave and short-term disability. Financial wellbeing is supported through contributions to healthcare accounts, a pension plan, and a 401(k) with company matching. Employees can also participate in ProHealth Rewards to improve wellbeing and earn cash incentives. Eligibility for specific benefits may vary by role.

If you require an accommodation to complete the application or recruitment process due to a disability, please contact eric.hess@protective.com. This email is exclusively for accommodation requests. General employment inquiries should not be sent to this address. Protective is an equal opportunity employer committed to diversity and inclusion.