Life Underwriting Consultant | Remote

Allianz; Minneapolis (MN); Remote; USD 93,000 - 134,000; Full time

Job summary

A leading insurance company seeks a 'Life Underwriting Consultant' for a remote position in Minneapolis. The role involves assessing complex underwriting cases, mentoring junior staff, and using advanced technology in the underwriting process. Ideal candidates will have a minimum of 6 years of experience and a relevant degree, with competitive salaries and benefits.

Benefits

Comprehensive medical, dental and vision plans

Health savings account

Tuition reimbursement

401(k) company match

Life insurance

Award-winning campus amenities

Qualifications

• 6+ years' experience required in life or long term care underwriting.
• Utilization of artificial intelligence tools and resources.
• Ability to assess medical and financial risks.

Responsibilities

• Assess complex underwriting cases up to $7,500,000.
• Communicate decisions effectively to internal and external stakeholders.
• Train and mentor junior underwriters.

Skills

Customer service

Risk assessment

Communication

Mentorship

Technical support

Education

Four-year degree in Business, communications, or medical fields

Tools

Artificial intelligence tools

Job description

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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 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.
  
  

Range:

Underwriting Consultant: $93,000 - $134,000

Actual base salary may vary based upon factors such as relevant experience, qualifications, internal equity of peers, and geographic location. In addition to base salary, this position is eligible for an annual incentive program.

What we offer:

At Allianz Life, we’re proud to provide a benefits package that supports the True Balance of our employees and their families. We offer: a choice of comprehensive medical, dental and vision plan options, health savings account, tuition reimbursement, student loan retirement plan, annual paid leave, an outstanding 401(k) company match, and life insurance. Plus, our employees enjoy an award-winning campus with an array of discounted amenities, including an onsite health center, child development center, fitness facility, convenience store and two cafeterias. Our employees and leaders take an active role in shaping our culture through our Employee Resource Groups, whose activities and advocacy contribute to an environment that welcomes, includes and celebrates diversity. Our great benefits, campus amenities and inclusive, engaged culture are among the many reasons we’re recognized as a top workplace employer.

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

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Allianz Group is one of the most trusted insurance and asset management companies in the world. Caring for our employees, their ambitions, dreams and challenges is what makes us a unique employer. Together we can build an environment where everyone feels empowered and has the confidence to explore, to grow and to shape a better future for our customers and the world around us. We at Allianz believe in a diverse and inclusive workforce and are proud to be an equal opportunity employer. We encourage you to bring your whole self to work, no matter where you are from, what you look like, who you love or what you believe in. We therefore welcome applications regardless of race, ethnicity or cultural background, age, gender nationality, religion, disability, sexual orientation, or any other characteristics protected under applicable laws and regulations.

Join us. Let’s care for tomorrow.

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

• Industries

  Financial Services and Insurance

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