Senior Life Insurance Underwriter

Talent Edge Recruiting; Tulsa (OK); On-site; USD 75,000 - 110,000; Full time

Job summary

Talent Edge Recruiting is seeking an experienced Life Insurance Underwriter to review applications, medical records, and financial documentation to assess risk for domestic and international lines. The role requires applying underwriting guidelines and MIB data to determine coverage decisions while coordinating with reinsurers as needed.

You will communicate with agents, policyholders, and internal teams to resolve issues, ensure timely case processing, and maintain HIPAA compliance.

Qualifications

• Minimum of 5 years of life insurance underwriting experience with strong expertise in medical and financial underwriting.
• Solid understanding of underwriting principles, risk assessment, and sound judgment.
• Ability to work independently with minimal supervision and strong attention to detail.

Responsibilities

• Review life insurance applications, medical records, and financial documentation to assess risk and decide on underwriting action.
• Evaluate domestic and international cases, deciding on approval, decline, or need for more information.
• Apply guidelines and MIB information to assess medical and financial risks and coordinate with reinsurers as needed.
• Communicate with agents, policyholders, and internal departments to resolve underwriting issues and ensure timely processing.
• Ensure HIPAA compliance and assist with audits and regulatory requirements.
• Collaborate on updating underwriting guidelines and participate in strategic initiatives.
• Support international initiatives, premium administration, and claims-related activities with leadership.

Skills

Analytical skills

Communication skills

Independent worker

Detail-oriented

Education

Bachelor's degree in Business, Health Sciences, or related field

FALU or FLMI (preferred)

Tools

Policy administration systems (e.g., KY PAS)

Reinsurance platforms

Job description

Our client is a well-established and growing life insurance organization with a strong entrepreneurial culture and a long-term vision for domestic and international expansion. Operating multiple insurance entities across more than two dozen states, the company has built a reputation for financial stability, operational excellence, and a collaborative, hands-on approach to business. With a lean and highly engaged leadership team, employees are empowered to make meaningful contributions across multiple areas of the organization while working in an environment that values innovation, accountability, and continuous improvement

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Key Responsibilities

• Review life insurance applications, medical records, financial documentation, and supporting information to assess risk and make sound underwriting decisions.
• Evaluate applications across both domestic and international lines of business, determining whether cases should be approved, declined, or require additional information.
• Exercise underwriting authority within established limits while ensuring decisions align with company guidelines and overall risk tolerance.
• Communicate effectively with agents, policyholders, third-party administrators, and internal departments to resolve underwriting issues and facilitate timely case processing.
• Apply underwriting manuals, guidelines, and MIB information to accurately assess medical and financial risks.
• Coordinate with reinsurance partners by referring cases that exceed treaty limits and managing the approval process.
• Ensure compliance with HIPAA regulations and assist with internal audits and regulatory requirements.
• Support the ongoing maintenance and enhancement of underwriting guidelines, procedures, and departmental best practices.
• Collaborate with executive leadership and the Chief Underwriter on international business initiatives, policy services, premium administration, accounting matters, and claims-related activities
• Review underwriting appeals, contestable claims, and cases involving potential misrepresentation
• Participate in strategic initiatives, cross-functional projects, and continuous improvement efforts designed to enhance operational efficiency
• Stay informed on industry trends, regulatory developments, and emerging underwriting practices to support organizational growth and excellence

Qualifications & Requirements

• Minimum of 5 years of life insurance underwriting experience with strong expertise in both medical and financial underwriting.
• Comprehensive understanding of life insurance underwriting principles, risk assessment methodologies, and sound underwriting judgment.
• Ability to work independently and make well-reasoned underwriting decisions with minimal supervision.
• Excellent analytical, problem-solving, organizational, and attention-to-detail skills.
• Strong written and verbal communication skills with the ability to build effective relationships with agents, customers, reinsurers, and internal stakeholders.
• Bachelor's degree in Business, Health Sciences, or a related field preferred; equivalent industry experience will also be considered.
• Experience with policy administration systems and life insurance operations is advantageous.
• Professional designations such as FALU or FLMI are preferred.
• Experience with reinsurance platforms, KY Policy Administration System (KY PAS), or EKG certification is a plus.
• Bilingual Spanish/English skills are desirable but not required.
• Adaptable, collaborative, and comfortable working in a fast-paced environment where responsibilities span multiple functional areas and strategic initiatives.