Life Insurance Underwriter

The James Allen Companies, Inc; United States; Remote; USD 80,000 - 120,000; Full time

Job summary

The James Allen Companies, Inc. is seeking an experienced life insurance underwriter to support financial professionals and carriers in achieving favorable underwriting outcomes.

You will provide preliminary and formal underwriting, carrier guidance, and cross-functional support to help cases move efficiently through the process. Ideal candidates have 3+ years of underwriting experience, strong communication and organizational skills, and relevant industry certifications.

Qualifications

• 3+ years of life insurance underwriting experience.
• Skilled communicator with excellent interpersonal abilities.
• Self-motivated and proactive with a strong drive for results.
• Highly organized and disciplined with a structured approach to work.

Responsibilities

• Provide preliminary assessments before submitting to the insurance carrier.
• Help Advisors determine carriers most likely to approve the case and at what rate class.
• Review underwriting data to evaluate risk and categorize applicants into risk classes.
• Help smooth communication, clarify requirements, and push cases forward.
• Have in-depth knowledge of multiple carriers’ underwriting guidelines and recommend best fit for tough cases.
• Assist Sales by improving chances of case approvals and advising on case structuring.

Skills

Communication skills

Underwriting experience

Self-motivation

Organizational skills

Education

Certifications: FALU/FLMI/CLU

Job description

The Opportunity:

In this role, you will help financial professionals and insurance carriers reach favorable underwriting solutions through:

• Expert medical, financial, and avocational underwriting consultation to teammates and financial advisors.
• Managing case capacity considerations, health, and financial justification factors throughout the underwriting process.
• Effective negotiation with insurance carrier underwriters.
• Strong support from your teammates to thrive in your role, including one-on-one mentorship and access to various educational training opportunities.

What You’ll Do

Preliminary (Informal) Underwriting

• Provide preliminary assessments before submitting to the insurance carrier.
• Help Advisors determine which carriers are most likely to approve the case and at what rate class.

Formal Underwriting

• Review underwriting data (medical records, lab results, financial reports and other data) to evaluate risk and audit carrier categorization of applicants into risk classes (e.g., Preferred, Standard, Substandard).
• Help smooth out communication, clarify requirements, and push cases forward.

Carrier Expertise

• Have in-depth knowledge of multiple carriers’ underwriting guidelines.
• Recommend the best fit for tough or impaired-risk cases.

Support Sales

• Help place more cases by improving the chances of case approvals.
• Provide strategies on how to structure the case for best underwriting outcomes.

Who We’re Looking For

• Skilled communicator with excellent interpersonal abilities.
• 3+ years of life insurance underwriting experience.
• Strong familiarity with impaired risk cases and carrier-specific niches.
• Self-motivated and proactive with a strong drive for results.
• Highly organized and disciplined with a structured approach to work.
• FALU, FLMI, CLU, life insurance license and other industry certifications a plus.