Long-Term Care Underwriting Manager

Disclaimer: OneAmerica Financial; United States; Remote; USD 95,000 - 130,000; Full time

Benefits offered by this job

Medical & prescription coverage

Dental insurance

Vision insurance

Health Savings Account

401(k) with company match

Pension plan

Life & disability insurance

Wellness program

Employee assistance program

Job summary

OneAmerica Financial seeks a Long-Term Care Underwriting Manager to evaluate and classify risk for Life and LTC hybrid products, ensuring compliance with underwriting guidelines and mortality/morbidity pricing. The role may postpone, decline or assign substandard ratings within approved limits.

You will process work in established systems, validate decisions with partners, adhere to guidelines, and mentor underwriting staff.

Qualifications

• 10+ years in Life or LTC underwriting.
• Completion of 1+ industry designation preferred.
• EKG interpretation/training ideal.

Responsibilities

• Evaluate and classify risk for Life and LTC hybrid products.
• Postpone, decline or assign substandard ratings within limits.
• Process work in established systems and validate decisions.
• Adhere to underwriting guidelines and continue education.
• Attend industry events and mentor underwriting staff.

Skills

Underwriting experience

Risk evaluation

Mentoring staff

Education

B.A./B.S. degree

Industry designations preferred (FLMI, FALU)

Job description

If you are a job seeker with a disability and require a reasonable accommodation to apply for one of our jobs, you will find the contact information to request the appropriate accommodation by visiting the following our Accessibility Accomodation for Applicants page.

Long-Term Care Underwriting Manager

• Posted on November 3, 2026

Locations

Showing 1 location

Home - Any State
United States

• Remote
• Full-Time
• Requisition #: UNDER006539

Description

At OneAmerica Financial, our purpose is to create more certainty for our customers that leads to better moments, every day. Our commitment is to advance stability and growth in every solution and relationship. We deliver financial strength that builds for generations, and we are always aspiring, looking ahead, and collaborating to achieve more, together. Come be a part of this journey with us as we champion lives!

The Long-Term Care Underwriting Manager is responsible for evaluating and classifying risk for Life and LTC hybrid products to ensure compliance with underwriting guidelines and procedures, and to ensure accordance with mortality and morbidity pricing. This role will have the authority to postpone, decline or add substandard ratings within defined approval limits.

What you will do:

• Process work using established operating systems
  
• Validate decisions with internal and external partners
  
• Adhere to published underwriting guidelines and procedures
  
• Participate in continuing education
  
• Attend industry events
  
• Mentor and consult with other underwriting staff members

What you will need:

• B.A./B.S., College Degree
• 10+yrs of experience in Life or LTC underwriting
• Completion of 1 or more industry designations (FLMI, FALU, etc.) preferred.
• EKG interpretation/training experience ideal

Salary Band: 6B

#LI-SH1

This selected candidate will be expected to work fully remote. The candidate will also be expected to physically return to the office in CA, IN or ME as business needs dictate or for team building and collaboration.

Consistent with applicable pay transparency laws, we disclose the compensation range for this position: $95,000 – $130,000 annually. Actual compensation will be determined by factors such as education, experience, geographical location, and other job-related factors permitted by law. In addition to base pay, this role is eligible for an annual incentive program.

We offer a comprehensive total rewards package designed to support you both at work and at home. Full‑time and part‑time associates working 30 or more hours per week are generally eligible for benefits, including but not limited to:

• Medical & prescription, dental, vision insurance
• Health Savings Account & Flexible Spending Accounts
• Paid Time Off
• 10 weeks 100% paid parental leave (after completing 12 months of employment)
• 401(k) Plan with company match
• Pension Plan
• Company paid life & disability insurance
• Wellness Program & Company paid employee assistance program
• Clinic access subject to location (*Indianapolis, Charlotte, Cincinnati)

If you are offered and accept this position, please be advised that OneAmerica Financial does not have any offices located in the State of New York and OneAmerica Financial associates are not permitted to work remotely in the State of New York.

Selected employees must be able to perform the essential functions of the position satisfactorily and, if requested, reasonable accommodations will be made to enable employees with disabilities to perform the essential functions of their job, absent undue hardship.

Disclaimer: American United Life Insurance Company (“OneAmerica Financial”) is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee based on race, color, religion, creed, national origin or ancestry, ethnicity, sex (including gender, pregnancy, sexual orientation, gender identity), age, physical or mental disability, veteran or military status, genetic information, citizenship, or any other legally recognized protected basis under federal, state, or local law.

For all positions:

Because this position is regulated by the Violent Crime Control and Law Enforcement Act, if an offer is made, applicants must undergo mandated background checks as a condition of employment. Such background checks include criminal history. A conviction is not necessarily an absolute bar to employment. Consistent with applicable regulatory guidelines and law, factors such as the age of the offense, evidence of rehabilitation, seriousness of violation, and job relatedness are considered.

To learn more about our products, services, and the companies of OneAmerica Financial, visit oneamerica.com/companies.

Equal Opportunity Employer

This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.