Senior Life Underwriter & Complex Case Strategist

Aon; Plymouth (MN); On-site; USD 87,000 - 110,000; Full time

Benefits offered by this job

PTO & paid holidays

401(k) with match

Wellness programs

Discount programs

Job summary

NFP, an Aon company, seeks an experienced life insurance underwriter to solve complex cases, build industry relationships, and influence outcomes beyond standard underwriting duties.

You will partner with advisors, carrier underwriters, and internal teams to position high-value cases, develop strategies, and advocate for clients in challenging medical or impaired-risk scenarios. This role blends technical underwriting with relationship management and thought leadership.

Qualifications

• Deep expertise in individual life insurance underwriting, including detailed and challenging-risk case assessment, mortality analysis, financial underwriting, regulatory considerations, and product knowledge.
• Proven track record to develop underwriting strategies, evaluate risk, and position cases effectively based on carrier guidelines, market opportunities, and client objectives.
• Solid understanding of carrier underwriting philosophies, risk appetites, and placement strategies, with the ability to secure optimal outcomes for advisors and clients.
• Outstanding communication, negotiation, and relationship management skills with the ability to influence and collaborate across advisors, carrier partners, and internal network.
• Strong analytical judgment, problem-solving capabilities, and business acumen with the ability to balance multiple priorities in a fast-paced environment.
• Leadership presence with experience providing technical expertise, thought leadership, education, mentoring, and process improvement initiatives.

Responsibilities

• Serve as a senior underwriting consultant and subject matter expert on complex and impaired-risk individual life coverage cases.
• Evaluate underwriting risk factors and develop case-specific strategies that optimize carrier placement and client outcomes.
• Build and maintain positive relationships with advisors, carrier underwriting teams, and internal stakeholders to support business growth and service excellence.
• Guide cases through the underwriting process by coordinating evidence collection, resolving technical issues, and facilitating communication among all parties.
• Advocate for favorable underwriting outcomes through carrier negotiations, reconsiderations, and strategic case positioning.
• Provide expertise on carrier underwriting philosophies, risk appetites, and marketplace opportunities to support advisor decision-making.
• Contribute thought leadership through industry presentations, advisor education, process improvements, and collaboration with Wealth Transfer leadership.
• Support organizational objectives through operational excellence, change leadership, accurate system utilization, and adherence to NFP values and standards.

Education

College degree

Advanced degree preferred

FALU certification

Tools

Life Health License

Job description

NFP, an Aon company, seeks an experienced life insurance underwriter to solve complex cases, build industry relationships, and influence outcomes beyond standard underwriting duties.

You will partner with advisors, carrier underwriters, and internal teams to position high-value cases, develop strategies, and advocate for clients in challenging medical or impaired-risk scenarios. This role blends technical underwriting with relationship management and thought leadership.