Long-Term Care Underwriting Manager

Jobgether; United States; Remoto; USD 95.000 - 130.000; Tempo integral

Benefícios oferecidos por esta vaga

Fully remote

Health insurance

Paid Time Off

401(k) plan

Pension plan

Life and disability insurance

Parental leave

Resumo da vaga

Jobgether is seeking a Long-Term Care Underwriting Manager to lead risk assessment for life insurance and LTC hybrid products. The role supports development and ensures decisions align with mortality/morbidity pricing and guidelines, with significant decision authority and remote work within the United States.

The position emphasizes mentoring, collaboration with stakeholders, and continuous improvement of underwriting quality, while enabling professional growth and industry engagement.

Qualificações

• 10+ years of life insurance underwriting experience.
• Approval authority for life cases up to $5M and LTC up to $1M.
• Remote-work capability within the United States; occasional in-person meetings.
• Experience with mortality and morbidity pricing standards.

Responsabilidades

• Evaluate risks for life insurance and LTC hybrid products.
• Make underwriting decisions within defined authority limits.
• Ensure decisions align with guidelines and pricing requirements.
• Process cases using standard operating workflows.
• Validate decisions with internal teams and partners.
• Mentor underwriting professionals and promote knowledge sharing.
• Keep up with industry developments and attend events.

Conhecimentos

Underwriting expertise

Analytical thinking

Mentoring

Communication skills

Collaboration

Formação

Bachelor's degree

FLMI or FALU preferred

Descrição da vaga

The Long-Term Care Underwriting Manager will play a key role in assessing and managing risk for life insurance and long-term care (LTC) hybrid products. This position is responsible for ensuring accurate risk classification, consistent underwriting decisions, and compliance with established guidelines and procedures. You will apply extensive underwriting expertise to evaluate complex cases and ensure decisions align with mortality and morbidity pricing standards. With significant decision-making authority, you will assess applications, determine appropriate risk ratings, and make decisions within defined approval limits. You will also collaborate with internal and external stakeholders, support the professional development of underwriting teams, and contribute to continuous improvement. This fully remote opportunity offers the chance to influence underwriting quality and help deliver long-term financial protection solutions.

Accountabilities

Responsibilities

• Evaluating and classifying risks for life insurance and long-term care hybrid products.
• Making underwriting decisions, including postponing, declining, or assigning substandard ratings within established approval authority limits.
• Ensuring all underwriting decisions align with published guidelines, procedures, and mortality and morbidity pricing requirements.
• Processing underwriting cases using established operating systems and workflows.
• Validating underwriting decisions in collaboration with internal teams and external partners.
• Maintaining compliance with applicable underwriting standards and operational procedures.
• Participating in continuing education activities to strengthen technical expertise and remain informed about industry developments.
• Attending relevant industry events to maintain professional knowledge and awareness of emerging trends.
• Mentoring, advising, and consulting with other underwriting professionals to promote knowledge sharing and consistent decision-making.

Requirements

• Bachelor's degree (BA or BS) or equivalent college-level qualification.
• At least 10 years of professional experience in life insurance or long-term care underwriting.
• Established underwriting approval authority for life insurance cases of at least $5 million and LTC combination products of at least $1 million.
• Strong understanding of underwriting guidelines, risk classification, and mortality and morbidity considerations.
• Ability to assess complex cases and make sound, well-documented underwriting decisions.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong communication and collaboration skills when working with internal and external stakeholders.
• Ability to mentor colleagues and provide technical guidance to underwriting teams.
• Completion of at least one relevant industry designation, such as FLMI or FALU, is preferred.
• Experience or training in EKG interpretation is considered a strong advantage.
• Ability to work fully remotely within the United States, with occasional in-person attendance at offices in California, Indiana, or Maine as required for business needs or team collaboration.
• Candidates must be able to meet applicable background screening requirements associated with the position.

Benefits

• Annual salary: $95,000-$130,000, depending on education, experience, geographical location, and other relevant factors.
• Eligibility for an annual incentive program in addition to base salary.
• Fully remote working arrangements.
• Medical, prescription, dental, and vision insurance.
• Health Savings Account (HSA) and Flexible Spending Accounts (FSA).
• Paid Time Off (PTO).
• 10 weeks of fully paid parental leave after 12 months of employment.
• 401(k) retirement plan with employer matching contributions.
• Pension plan.
• Company-paid life and disability insurance.
• Wellness program and company-funded employee assistance program.
• Access to employee clinics, depending on location, including Indianapolis, Charlotte, and Cincinnati.
• Comprehensive benefits generally available to full-time and part-time employees working at least 30 hours per week.