Life Underwriting Consultant | Remote

Allianz Popular SL.; Minneapolis (MN); Remote; USD 80,000 - 110,000; Full time

Job summary

A leading company in life insurance is seeking an Underwriter to assess medical and financial risks for complex cases up to $7,500,000. The ideal candidate will have over 6 years of underwriting experience, a degree in a relevant field, and must be proficient in customer service. This role entails working closely with internal teams and external clients while recommending improvements to underwriting guidelines.

Qualifications

• 6+ years of life or long-term care underwriting experience required.
• Ability to utilize AI tools and resources.
• Legally authorized to work in the U.S. without requiring sponsorship.

Responsibilities

• Assess medical and financial risk for cases up to $7,500,000.
• Document risk assessment within system application.
• Communicate underwriting decisions to field distribution and internal partners.

Skills

Underwriting expertise

Customer service

Communication

Risk assessment

Technical support

Education

Four-year degree in Business, Communications, or Medical fields

Tools

Artificial intelligence tools

Job description

Hiring Manager: Doreen White

Recruiter: Trisha Danielson ([e-mail]) | Please email me after you have applied with an attachment of your resume.

Pay Band: 5

Employee Referral Information: Employee Referrals should be sent via email to the assigned recruiter for the role. Please include the job title, job reference code, and the referral's resume. Referrals must be position-specific or no referral award will be given.

Internal Background Check Information: Allianz Life requires a criminal background check, credit check, and/or social media check as needed for all positions requiring securities registrations, officer level and above positions, and positions included in the Allianz Group Fit and Proper Policy.

What you do:

You are a developing subject matter expert in area of life underwriting. Preferred experience includes underwriting in the multi-level marketing space with high touch customer service and ability to identify and assess suitable sales designs. Assess the medical and financial risk for routine to highly complex cases up to $7,500,000 sign off authority, and assigns the proper risk class to the case. Communicate underwriting decisions to the producer or FMO and work with internal distribution to communicate the offer when necessary. Provide technical support to the underwriting team through case file management and review, and education. Help trains junior underwriters formally and through mentorship. May travel, and deliver presentations, representing Allianz Life at industry events and to distribution partners. You will report into the Underwriting Manager.

• Able to work through difficult formal and informal cases by reviewing medical records, medical exams, financial documents, telephone interviews, and other underwriting requirements to determine proper risk class assessment in accordance with company guidelines.
• Properly document risk assessment information and underwriting decisions within system application.
• Communicate underwriting decisions with field distribution, agents, and FMOs. Build rapport by educating on additional strategies that can be used to present adverse decisions to clients, as well as education on our products, requirements and underwriting philosophy.
• Correspond effectively with internal and external customers regarding the status of cases, including field and internal distribution partners, the medical community, reinsurers and vendors.
• Recommend improvements to the internal Underwriting guidelines, operational procedures, and standards; participates on department projects as assigned.

What you bring:

• 6 + years’ experience required: Life or long term care underwriting
• Four-year degree required: Business, communications, or medical fields of study or equivalent work experience
• Utilization of artificial intelligence tools and resources (e.g. generative AI)
• You must be legally authorized to work in the U.S. and will not require immigration sponsorship for visa status now or in the future (e.g. H1-B, L-1, TN, etc). If you are currently on CPT/OPT, you are ineligible due to the need for future immigration sponsorship.

72108 | Underwriting | Professional | Non-Executive | Allianz US Life | Full-Time | Permanent