Individual Life Underwriter Consultant - Remote-TX, TX

Ameritas; Town of Texas (WI); Remote; USD 75,000 - 125,000; Full time

Job summary

Join a forward-thinking company as an Individual Life Underwriter Consultant, where you will partner with independent agents to underwrite individual term and IUL insurance products. This remote position offers the chance to utilize your expertise in medical terminology and risk selection to make impactful underwriting decisions. With a focus on achieving operational targets, you will analyze various factors to create competitive offers. Enjoy a vibrant culture, flexible hybrid work options, and a comprehensive benefits package that supports your professional growth and well-being.

Benefits

401(k) Retirement Plan with company match

Tuition Reimbursement

Incentive Program Bonuses

Flexible Hybrid work

Paid time off (PTO)

Health Benefits: Medical, Dental, Vision

Health Savings Account (HSA)

Professional development programs

Paid volunteer time

Generous paid maternity and paternity leave

Qualifications

• 3-5 years life insurance underwriting experience required.
• Strong verbal and written communication skills are essential.

Responsibilities

• Analyze and evaluate risk for insurance cases.
• Provide training and guidance to new associates.

Skills

Underwriting

Medical Terminology

Risk Evaluation

Communication Skills

Education

Bachelor's Degree

Tools

Underwriting Manuals

Job description

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Individual Life Underwriter Consultant

#5141

Remote-TX, Texas, United States

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Area of Interests

Underwriting

Full-Time/Part Time

Full-time

Job Description

Position Description:

Partner with independent agent channel to underwrite and support the sale of individual term and IUL insurance products. This position is responsible for underwriting insurance cases by using strong subject matter knowledge about company products and underwriting principles. This position works independently and influences others to achieve operational targets. A successful person in this role will utilize an understanding of medical terminology. Applying risk selection experiences to make accurate underwriting decisions will be key.

Position Location:

This position is remote and does not require regular in-office presence.

What you do:

• Analyze and evaluate risk for insurance cases considering characteristics such as plan design, demographics, experience, financial and medical factors, and state and federal regulations.


• Select and maintain cases to achieve revenue, persistency, and profitability goals for both top-line and bottom-line growth.


• Based on financial, medical, and established departmental guidelines, create a competitive offer that is in the best interest of the company and the client.


• Demonstrate a strong understanding of various insurance products, their features and limitations, and industry/regulatory terms.


• Provide training and guidance to new or entry level associates.


• Participate in post underwriting audits on products written through automatic issue electronic processes.


• Utilize assigned tools including reinsurance partner underwriting manuals to drive decisions.


• Utilize strong telephone skills speaking with agents to communicate underlying thought processes to help them understand ratings and pricing determinations.

What you bring:

• Bachelor's Degree or equivalent combination of education and experience required.


• 3-5 years related life insurance underwriting experience required.


• Strong verbal and written communication skills are required.


• Minimum $1M approval limit with review up to $2M desired.


• Active pursuit of industry designations (LOMA or ALU) desired.

What we offer:

A meaningful mission. Great benefits. A vibrant culture

Ameritas is an insurance, financial services and employee benefits provider Our purpose is fulfilling life. It means helping all kinds of people, at every age and stage, get more out of life.

At Ameritas, you'll find energizing work challenges. Flexible hybrid work options. Time for family and community. But dig deeper. Benefits at Ameritas cover things you expect -- and things you don't:

Ameritas Benefits

For your money:

• 401(k) Retirement Plan with company match and quarterly contribution.


• Tuition Reimbursement and Assistance.


• Incentive Program Bonuses.


• Competitive Pay.

For your time:

• Flexible Hybrid work.


• Thrive Days - Personal time off.


• Paid time off (PTO).

For your health and well-being:

• Health Benefits: Medical, Dental, Vision.


• Health Savings Account (HSA) with employer contribution.


• Well-being programs with financial rewards.


• Employee assistance program (EAP).

For your professional growth:

• Professional development programs.


• Leadership development programs.


• Employee resource groups.


• StrengthsFinder Program.

For your community:

• Matching donations program.


• Paid volunteer time- 8 hours per month.

For your family:

• Generous paid maternity leave and paternity leave.


• Fertility, surrogacy, and adoption assistance.


• Backup child, elder and pet care support.

An Equal Opportunity Employer

Ameritas has a reputation as a company that cares, and because everyone should feel safe bringing their authentic, whole self to work, we're committed to an inclusive culture and diverse workplace, enriched by our individual differences. We are an Equal Opportunity/Affirmative Action Employer that hires based on qualifications, positive attitude, and exemplary work ethic, regardless of sex, race, color, national origin, religion, age, disability, veteran status, genetic information, marital status, sexual orientation, gender identity or any other characteristic protected by law.

About this Position's Pay

The pay range posted reflects a nationwide minimum to maximum covering all potential locations where the position may be filled. The final determination on pay for any position will be based on multiple factors including role, career level, work location, skill set, and candidate level of experience to ensure pay equity within the organization. This position will be eligible to participate in our comprehensive benefits package (see above for details). This position will be eligible to participate in our Short-Term Incentive Plan with the annual target defined by the plan.

Job Details

Pay Range Pay Range

The estimated pay range for this job. Disclosing pay information promotes competitive and equitable pay.

The actual pay rate will depend on the person's qualifications and experience.

$75,189.00 - $124,062.00 / year

Pay Transparency

Pay transparency is rooted in principles of fairness, equity, and accountability within the workplace. Sharing pay ranges for job postings is one way Ameritas shows our commitment to equitable compensation practices.