Remote Life Underwriting Specialist

Securian Financial Group; Minnesota; Remote; USD 73,700 - 136,800; Full time

Job summary

Securian Financial Group is seeking a Life Underwriting Consultant for a remote role based in Minnesota. You will evaluate life insurance applications, assess medical and financial risks, and determine appropriate classifications within authority limits.

The role emphasizes independent decision-making, collaboration with brokers and reinsurers, and ongoing process improvements to enhance efficiency and the customer experience.

Qualifications

• Bachelor’s degree or equivalent experience.
• Minimum of 3 years of life underwriting experience.
• Demonstrated expertise in substandard underwriting and risk assessment.
• Strong decision-making and independent judgement in real time.
• Excellent written and verbal communication; ability to document rationale clearly.

Responsibilities

• Evaluate applications within authority by analyzing medical, financial, and lifestyle risk factors.
• Order only necessary and appropriate requirements to assess risk.
• Collaborate with reinsurers for rated cases as needed.
• Communicate underwriting decisions clearly to brokers, advisors, and internal partners.
• Identify opportunities to improve underwriting processes and customer experience.

Skills

Customer Service

Decision Making

External Communication

Internal Communications

Multitasking

Relationship Management

Education

Bachelor's degree or equivalent experience

Industry designations (FLMI, FALU, CLU)

Job description

Securian Financial Group is seeking a Life Underwriting Consultant for a remote role based in Minnesota. You will evaluate life insurance applications, assess medical and financial risks, and determine appropriate classifications within authority limits.

The role emphasizes independent decision-making, collaboration with brokers and reinsurers, and ongoing process improvements to enhance efficiency and the customer experience.