Senior Life Underwriter in United States at Jobgether
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Job Description
This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Senior Life Underwriter based in the United States.
This role is centered on evaluating and underwriting life insurance applications in a modern, technology-enabled environment that is redefining how life insurance decisions are made at scale. You will assess risk across medical, financial, occupational, and lifestyle factors to determine appropriate underwriting outcomes while maintaining accuracy, fairness, and adherence to established guidelines. The position blends traditional underwriting expertise with a forward-looking, tech-driven approach that leverages automation and rules-based systems to improve speed and consistency. You will collaborate closely with product and operations teams in a fast-moving environment where your judgment directly impacts customer access to life insurance protection. This is an opportunity to contribute to a mission-driven organization focused on making life insurance more accessible while maintaining strong actuarial integrity. The environment values autonomy, continuous improvement, and a willingness to challenge and refine existing underwriting processes.
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
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
- 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.