Senior Large-Case Life Underwriter (Remote)

Guardian Life; Tallahassee (FL); Remote; USD 110,000 - 181,000; Full time

Job summary

Guardian Life is seeking an Underwriting Large Case Specialist to adjudicate highly complex life underwriting cases with high value. This remote role requires deep expertise, autonomous decision-making, and collaboration with field partners and home office.

The position focuses on financial under¬writing, reinsurance coordination, and adherence to guidelines while driving strong outcomes. You will mentor peers, leverage modern underwriting tools, and stay ahead of industry trends to ensure

Qualifications

• 15–20 years of experience in individual life underwriting.
• Proven track record handling large, 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 (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

Life underwriting

Large case handling

Communication

Decision making

Collaboration

Technology awareness

Education

FALU

FLMI

Job description

Guardian Life is seeking an Underwriting Large Case Specialist to adjudicate highly complex life underwriting cases with high value. This remote role requires deep expertise, autonomous decision-making, and collaboration with field partners and home office.

The position focuses on financial under¬writing, reinsurance coordination, and adherence to guidelines while driving strong outcomes. You will mentor peers, leverage modern underwriting tools, and stay ahead of industry trends to ensure