Remote Life Underwriting: Large Case Expert

Guardian Life; Olympia (WA); Remote; USD 110,000 - 181,000; Full time

Job summary

Guardian Life is seeking an Underwriting Large Case Specialist to adjudicate the most complex and high-value life underwriting cases. You will act as a senior technical expert within the Life Underwriting practice for Financial Protection and Retirement Solutions, guiding peers and applying modern underwriting technologies.

You will build strong partnerships with distribution and field leadership, ensuring decisions align with mortality, product expectations, and regulatory requirements while

Qualifications

• Minimum of 15-20 years of experience in individual life underwriting.
• Proven track record handling large and complex cases for high-net-worth applicants.
• Industry related education (FALU, FLMI, etc.).
• Specialized depth and breadth of expertise in individual life underwriting, including authority on complex and high dollar cases.

Responsibilities

• Serve as the large case underwriting and financial specialist, adjudicating the most complex and high-value cases, reviewing appeals, reference, reinsurance submissions, ensuring decisions align with underwriting guidelines, mortality, morbidity, and product expectations.
• Provide expert judgment and guidance on escalated cases, troubleshooting complex issues for all levels of staff and management.
• Communicate with field partners and home office personnel for the purpose of acquiring necessary information, solving problems, negotiating appeals, and conveying decisions in a polite, confident, and professional manner.
• Build and strengthen partnerships with distribution leaders, agencies, and field partners to ensure alignment and service excellence and understanding of adverse decisions
• Apply deep reinsurance expertise to ensure appropriate use of automatic and facultative reinsurance, evaluate treaty requirements, and partner with reinsurance underwriters as needed.
• Serve as a trusted underwriting partner to Distribution and Field leadership, delivering clear guidance, responsive support, and consultative expertise to drive case placement, strengthen relationships, and ensure a seamless experience for producers and customers.

Skills

Large Case Underwriting

Financial Underwriting

Reinsurance Experience

GenAI Familiarity

EHR Awareness

Education

FALU

FLMI

Job description

Guardian Life is seeking an Underwriting Large Case Specialist to adjudicate the most complex and high-value life underwriting cases. You will act as a senior technical expert within the Life Underwriting practice for Financial Protection and Retirement Solutions, guiding peers and applying modern underwriting technologies.

You will build strong partnerships with distribution and field leadership, ensuring decisions align with mortality, product expectations, and regulatory requirements while