Life Underwriter

Amica Mutual Insurance Co; Lincoln (NE); On-site; USD 77,000 - 103,000; Full time

Benefits offered by this job

Medical, dental, vision coverage

Paid vacation days (at least 13)

Holidays - 14 paid holidays

401k with company match + 3% employer

Tuition reimbursement

Parental bonding leave

Student loan repayment

Job summary

Amica Mutual Insurance Co. is seeking an experienced Life Underwriter in Lincoln, NE. The role analyzes and classifies risk for life insurance applications per underwriting guidelines and collaborates with sales and medical directors as needed.

The position offers a base 37.5 hour week, competitive salary, and a comprehensive benefits package including health, vacation, holidays, and a strong 401(k) plan. Prior ALMI/ALU coursework is preferred; bachelor’s degree or equivalent is required.

Qualifications

• Bachelor’s Degree or equivalent experience preferred.
• Minimum of two years of experience as a life insurance underwriter required.
• ALMI designation and ALU 101 and ALU 201 passed preferred.
• Pursuing continuing education such as FLMI and FALU is a plus.
• Strong interpersonal skills with effective written and verbal communication.
• Strong technical and typing skills, including the use of Excel, Word, and Outlook.

Responsibilities

• Review cases up to $3,000,000; with approval authority for up to $2,000,000.
• Develop and maintain a structured schedule, with adherence to meeting/exceeding all productivity, quality, and performance standards.
• Communicate effectively with team members and helps Sales Representatives to understand the rationale for any adverse underwriting decision.
• Maintain positive interaction and builds relationships with all departments, through effective, timely, and professional communication.
• Work independently but understands when to refer cases to medical director or management.
• Responsible for coordinating facultative reinsurance review with the reinsurers.
• Provide direct guidance and assistance to New Business to resolve underwriting requirements.
• Understand how to analyze and assess risk with the use of an automated underwriting rules engine and third-party data requirements.
• Continue growth and development through professional development and attending industry conferences, webinars, and other types of training meetings.
• Provide back-up underwriting support during employee absences and peak volume periods. Overtime may be necessary.
• May be called upon to handle other duties as required.

Skills

Underwriting

Interpersonal communication

Typing skills

Excel

Word

Outlook

Education

Bachelor’s Degree or equivalent experience

Tools

Excel

Word

Outlook

Job description

Description

Life Underwriter

Amica Life

At Amica, we pride ourselves on being an inclusive and supportive environment. We all work together to accomplish the common goal of providing the best experience for our customers. We believe in trust and fostering lasting relationships for our customers and employees! We’re focused on creating a workplace that works for all. We’ll continue to provide training, guidance, and resources to make Amica a true place of belonging for all employees. Want to learn more about our commitment to diversity, equity, and inclusion? Visit our DEI page to read about it!

As a mutual company, our people are our priority. We seek differences of opinion, life experience and perspective to represent the diversity of our policyholders and achieve the best possible outcomes. Our Life Underwriting team is seeking an experienced Life Underwriter to join the team!

This position is responsible for analyzing and classifying risk for life insurance applications in accordance with established underwriting guidelines, policies, and procedures.

Position Duties and Responsibilities

• Review cases up to $3,000,000; with approval authority for up to $2,000,000.
• Develop and maintain a structured schedule, with adherence to meeting/exceeding all productivity, quality, and performance standards.
• Communicate effectively with team members and helps Sales Representatives to understand the rationale for any adverse underwriting decision.
• Maintain positive interaction and builds relationships with all departments, through effective, timely, and professional communication.
• Work independently but understands when to refer cases to medical director or management.
• Responsible for coordinating facultative reinsurance review with the reinsurers.
• Provide direct guidance and assistance to New Business to resolve underwriting requirements.
• Understand how to analyze and assess risk with the use of an automated underwriting rules engine and third-party data requirements.
• Continue growth and development through professional development and attending industry conferences, webinars, and other types of training meetings.
• Provide back-up underwriting support during employee absences and peak volume periods. Overtime may be necessary.
• May be called upon to handle other duties as required.

Desirable Knowledge and Skills

• Bachelor’s Degree or equivalent experience preferred
• Minimum of two (2) years of experience as a life insurance underwriter required
• ALMI designation and ALU 101 and ALU 201 passed preferred
• Pursuing continuing education and professional development such as FLMI and FALU is a plus
• Strong interpersonal skills with effective written and verbal communication.
• Strong technical and typing skills, including the use of Excel, Word, and Outlook.

This is a full-time position based on a 37.5 hour work week. The starting annual salary is between $77,182 - $103,235 based on level of previous experience and/or applicable licenses within the property and casualty industry. In addition, hired applicants will be eligible for the company’s annual variable incentive paid based on company performance.

This posting is anticipated to be closed on 9/11/2026.

Total Rewards

• Medical, dental, vision coverage for single or family, short- and long-term disability, and life insurance
• Paid Vacation – you will receive at least 13 vacation days in the first 12 months, amounts could be greater depending on the role. While able to use prior to accrual, vacation time will accrue monthly.
• Holidays - 14 paid holidays observed
• Sick time - 6 days sick time at hire, 6 additional days sick time at 90 days of employment
• Generous 401k with company match and immediate vesting. Additionally, annual 3% non-elective employer contribution
• Annual Success Sharing Plan - Paid to eligible employees if company meets or exceeds combined ratio, growth and/or service goals
• Generous leave programs, including paid parental bonding leave
• Student Loan Repayment and Tuition Reimbursement programs
• Generous fitness and wellness reimbursement
• Employee community involvement
• Strong relationships, lifelong friendships
• Opportunities for advancement in a successful and growing company

Amica conducts background checks which includes a review of criminal, educational, employment and social media histories, and if the role involves use of a company vehicle, a motor vehicle or driving history report. The background check will not be initiated until after a conditional offer of employment is made and the candidate accepts the offer. Qualified applicants with arrest or conviction records will be considered for employment.

The safety and security of our employees and our customers is a top priority. Employees may have access to employees’ and customers’ personal and financial information in order to perform their job duties. Candidates with a criminal history that imposes a direct or indirect threat to our employees’ or customers’ physical, mental or financial well-being may result in the withdrawal of the conditional offer of employment.

About Amica

Amica Mutual Insurance Company is America’s oldest mutual insurer of automobiles. A direct national writer, Amica also offers home, marine and umbrella insurance. Amica Life Insurance Company, a wholly owned subsidiary, provides life insurance and retirement solutions. Amica was founded on the principles of creating peace of mind and building enduring relationships for and with our exceptionally loyal policyholders, a mission that thousands of employees in offices nationwide share and support.

Equal Opportunity Policy: All qualified applicants who are authorized to work in the United States will receive consideration for employment without regard to race, color, religion, sex, gender, gender identity, gender expression, sexual orientation, family status, ethnicity, age, national origin, ancestry, physical and/or mental disability, mental condition, military status, genetic information or any other class protected by law. The Age Discrimination in Employment Act prohibits discrimination on the basis of age with respect to individuals who are 40 years of age or older. Employees are subject to the provisions of the Workers' Compensation Act.

Amica Mutual Insurance Company is committed to protecting job seekers from recruitment fraud. We never request sensitive personal information or payment during the interview process. All legitimate job opportunities are listed on our official careers site: https://careers.amica.com. Learn more in the "Is Amica hiring?" section of our FAQ.