Job description
Join a leading insurance provider as a Senior Underwriter focused on Life & Health products. You will assess risk, structure policies, and collaborate with brokers and actuaries to deliver competitive, compliant coverage. This role offers a clear path to leadership, a hybrid work model, and competitive compensation with performance-based incentives.
We value analytical thinkers with strong communication, integrity, and a customer-first mindset who can translate complex risk into practical solutions for individuals and groups.
Be part of a high-performing team in a fast-paced market, where your expertise shapes policy design and drives profitable growth.
Responsibility
- Assess and rate risk for Life and Health policies, determining coverage terms, premiums, and policy limits in accordance with company guidelines.
- Underwrite new business and renewals with accuracy and timely decision-making, ensuring regulatory compliance and alignment with risk appetite.
- Collaborate with actuaries, product managers, and sales teams to develop competitive, profitable policy structures.
- Review endorsements, riders, and policy changes; approve modifications while maintaining policy integrity and compliance.
- Mentor junior underwriters; provide training and contribute to knowledge sharing across the underwriting team.
- Maintain meticulous documentation and data quality to support audits and performance analytics.
Qualification
- Bachelor's degree in Finance, Economics, Risk Management, or related field; professional designations (CLU, CPCU, ACAS) preferred.
- 5+ years of Life and Health underwriting experience in carriers, brokers, or MGAs.
- In-depth knowledge of medical underwriting guidelines, policy types, and regulatory requirements (HIPAA, ACA, state laws).
- Strong analytical skills with the ability to interpret complex data and make sound risk decisions.
- Excellent written and verbal communication; adept at stakeholder management and negotiation.
- Proficiency with underwriting systems, data analytics tools, and CRM platforms; SQL or SAS experience is a plus.