Senior Life Underwriter

COUNTRY Financial; Bloomington (IN); On-site; USD 78,000 - 107,000; Full time

Benefits offered by this job

Insurance benefits

401(k) with company match

Job summary

COUNTRY Financial is seeking an experienced underwriter to analyze life insurance applications and assign proper risk classifications within underwriting guidelines. You will review medical, occupational and financial information to determine the right requirements and classifications.

In this role, you may approve, modify or decline applications for life, disability and long term care insurance and will assist financial representatives with application requirements and timelines.

Qualifications

• 7+ years of relevant underwriting experience.

Responsibilities

• Analyzes life insurance applications and assigns risk classifications within underwriting guidelines.
• Reviews applicant medical, occupational, financial, avocational and lifestyle information to determine classification and requirements.
• Approves, modifies or declines applications for life, disability and long term care insurance; communicates status to advisors.

Skills

Underwriting

Risk assessment

Job description

Experience more with a career at COUNTRY Financial!

We’re excited you’re interested in a career at COUNTRY as we strive toward our vision - to enrich lives in the communities we serve. Our footprint spans coast to coast. But more important than where we operate, is the people who do the work. to help our organization grow and make a difference for our clients.

About the role

Analyzes life insurance applications written by financial representatives in all sales regions and assigns the proper risk classification to them within general corporate underwriting guidelines. Reviews information concerning a proposed insureds’ medical, occupational, financial, avocational and lifestyle to determine if additional information is needed to properly classify the risk; exercises judgment to approve, modify or decline new life insurance applications and reinstatement applications for life, disability and long term care insurance; assists financial representatives in determining proper application requirements and communicates on the status of each application and any additional requirements needed to place applications in the most favorable risk classification.

How does this role make an impact?

• Uses professionalism, tact and empathy when dealing with financial representatives, clients, medical personnel and department support when discussing a risk or facilitating the risk selection, issue and administrative process or obtaining underwriting information.
• Respects and maintains the privacy of a clients’ personal information disclosed in the risk appraisal process.
• Consults with leadership, medical directors, reinsurers, other underwriters, and corporate personnel as required.
• May develop new and competitive underwriting guidelines.

Do you have what we’re looking for?

Typically requires 7+ years of relevant experience or a combination of related experience, education and training.

Base Pay Range:

$77,600-$106,700

The base pay range represents the typical range of potential salary offers for candidates hired. Factors used to determine your actual salary include your specific skills, qualifications and experience.

Incentive Pay:

In addition to base salary, this position is eligible for a Short-Term Incentive plan.

Why work with us?

Our employees and representatives serve nearly one million households with our diverse range of personal and business insurance products as well as retirement and investment services. We build relationships and work together to create a stronger, more secure future for our clients and our communities. We’re a big company, yet small enough you can make an impact and won’t get lost in the shuffle. You’ll have the opportunity to learn and grow throughout your career, either within this role or by exploring other areas of our business.

Benefits

• insurance benefits (medical, dental, vision, disability, and life)
• 401(k) with company match

COUNTRY Financial is committed to providing equal opportunity in all areas of employment, and in providing employees with a work environment free of discrimination and harassment. Employment decisions are made without regard to race, color, religion, age, gender, sexual orientation, veteran status, national origin, disability, or any other status protected by applicable laws or regulations.