Remote Life Underwriting Consultant: Complex Case Expert

Protective Life Corporation; Northern (KY); Hybrid; USD 70,000 - 102,000; Full time

Benefits offered by this job

Fully remote

National exposure

Mentorship & leadership opportunities

Career growth

Job summary

Protective Life Corporation invites an experienced Underwriting Consultant to join our Life Underwriting team in a fully remote capacity. The role involves evaluating complex life insurance cases, including impaired risks, and delivering timely underwriting decisions.

You will assess medical, financial, and non-medical risk, support service standards, and maintain strong relationships with internal partners and independent distributors in the brokerage marketplace.

Qualifications

• Bachelor’s degree or equivalent experience.
• Minimum of 6 years of life insurance underwriting experience.
• Proven ability to underwrite large and complex cases, including impaired risks.
• Experience working within the independent agent / brokerage (BGA) distribution channel.
• Demonstrated decision-making authority on higher face amounts and complex risk profiles.

Responsibilities

• Underwrite individual life insurance cases, including impaired risk, with an anticipated independent approval authority of $3 million.
• Analyze medical, financial, and non-medical information to make sound underwriting decisions within assigned authority.
• Evaluate requirements as they are received and determine appropriate risk classification in accordance with underwriting guidelines.
• Communicate underwriting decisions clearly and professionally to internal and external customers.
• Build and maintain effective working relationships with key distributors, independent agents, BGAs, and internal sales partners.
• Manage an assigned caseload while meeting production, quality, and time-service standards.
• Partner with internal teams to support business objectives, case placement, and a positive customer experience.
• Organize work effectively and deliver timely, accurate results in a fast-paced environment.
• Perform other job duties as assigned.

Skills

Analytical skills

Risk assessment

Communication

Relationship management

Time management

PC applications

Education

Bachelor’s degree or equivalent experience

Tools

Underwriting systems

PC applications

Job description

Protective Life Corporation invites an experienced Underwriting Consultant to join our Life Underwriting team in a fully remote capacity. The role involves evaluating complex life insurance cases, including impaired risks, and delivering timely underwriting decisions.

You will assess medical, financial, and non-medical risk, support service standards, and maintain strong relationships with internal partners and independent distributors in the brokerage marketplace.