Senior Large-Case Life Underwriter (Remote)

Guardian Life; Lincoln (NE); Remote; USD 110,000 - 181,000; Full time

Job summary

Guardian Life seeks an Underwriting Large Case Specialist to act as a senior technical expert in life underwriting, adjudicating the most complex cases and guiding peers in utilizing advanced underwriting technologies.

The role emphasizes autonomous decision-making within approval authority, and collaboration with distribution and home office to align with mortality, product expectations, and regulatory standards.

Qualifications

• 15–20 years of experience in individual life underwriting.
• Proven track record handling large, complex cases for high-net-worth applicants.
• Industry education such as FALU or FLMI.
• Specialized depth in individual life underwriting for complex/high-dollar cases.
• Experience with reinsurance frameworks and treaty language.
• Expertise reviewing complex financial statements and tax returns.
• Familiarity with EHR, GenAI, wearables, and behavioral economics concepts.
• Strong communication and collaboration skills.
• Ability to adapt precedent and develop innovative approaches.

Responsibilities

• Serve as the large case underwriting and financial specialist, adjudicating the most complex and high-value cases.
• Provide expert judgment and guidance on escalated cases for staff and management.
• Communicate with field partners and home office to gather information, solve problems, and convey decisions.
• Build partnerships with distribution leaders, agencies, and field partners to ensure alignment and service excellence.
• Apply deep reinsurance expertise to ensure proper use of automatic and facultative reinsurance.
• Act as a trusted underwriting partner to distribution and field leadership to drive case placement.
• Maintain deep knowledge of underwriting guidelines, risk assessment methodologies, and regulatory requirements.
• Champion the adoption of modern underwriting tools and platforms.

Skills

Underwriting knowledge

Decision making

Communication

Collaboration

Problem solving

Education

FALU/FLMI certification

Job description

Guardian Life seeks an Underwriting Large Case Specialist to act as a senior technical expert in life underwriting, adjudicating the most complex cases and guiding peers in utilizing advanced underwriting technologies.

The role emphasizes autonomous decision-making within approval authority, and collaboration with distribution and home office to align with mortality, product expectations, and regulatory standards.