Remote Senior Large-Case Life Underwriter

Guardian Life; Trenton (NJ); Remote; USD 110,000 - 181,000; Full time

Job summary

Guardian Life is seeking an Underwriting Large Case Specialist to act as a senior technical expert in life underwriting forFinancial Protection and Retirement Solutions. The role focuses on adjudicating complex, high-value cases with autonomy and adherence to guidelines.

You will influence decisions, mentor staff, and partner with distribution and field leadership to ensure optimal case placement and customer outcomes in a fully remote US environment.

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.
• Demonstrated experience working within reinsurance frameworks, including interpreting treaty language, understanding retention limits, applying automatic and facultative reinsurance rules, and collaborating with reinsurance partners.
• Expertise reviewing complex financial statements, tax returns, etc.
• Familiarity with emerging technologies (Electronic Health Record (EHR), GenAI, wearable technology) and behavioral economics concepts.
• Strong problem-solving and decision-making skills, able to adapt precedent and develop innovative approaches.
• Excellent communication and collaboration skills, capable of influencing peers and supporting leadership.

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.
• Maintain deep knowledge of underwriting guidelines, risk assessment methodologies, and regulatory requirements, ensuring compliance and consistency.
• Champion the adoption and effective use of modern underwriting tools and platforms, ensuring integration into daily workflows.
• Mentor, train, and guide underwriters in advanced financial underwriting.
• Monitor industry trends and share insights to inform prudent business decisions.

Skills

Large case underwriting

Reinsurance knowledge

Communication

Financial underwriting

Leadership mentoring

Regulatory compliance

Education

FALU/FLMI or equivalent

Tools

Underwriting platforms

GenAI awareness

Job description

Guardian Life is seeking an Underwriting Large Case Specialist to act as a senior technical expert in life underwriting forFinancial Protection and Retirement Solutions. The role focuses on adjudicating complex, high-value cases with autonomy and adherence to guidelines.

You will influence decisions, mentor staff, and partner with distribution and field leadership to ensure optimal case placement and customer outcomes in a fully remote US environment.