Senior Life Underwriter – Remote, Risk & Strategy

121 The Producers Choice, LLC; Michigan; Hybrid; USD 110,000 - 160,000; Full time

Benefits offered by this job

Medical, dental, and vision

Life insurance

Disability benefits

Retirement savings

Paid time off

Job summary

Raymond James is seeking a Senior Life Insurance Underwriter to assess risk and determine premium classifications based on a comprehensive evaluation of applicants’ health, financial background, occupation, travel, and lifestyle. The role involves evaluating new business, reinstatements, and coverage changes with input from MIB data and medical reports.

The position requires strong analytical and leadership abilities, with a focus on compliance, policy development, and collaboration with

Qualifications

• 5+ years of life insurance underwriting experience.
• AALU designation required; actively pursuing FALU and/or FLMI preferred.
• Strong knowledge of medical and financial underwriting principles.
• Proficient in interpreting underwriting manuals, legislation, and insurance product provisions.
• Excellent analytical and communication skills with leadership ability.

Responsibilities

• Evaluate new business, reinstatements, and coverage change requests.
• Order and interpret medical exams or assessments as needed.
• Analyze applicant data from MIB, medical records, financial documents, and motor vehicle reports.
• Collaborate with financial advisors, Insurance Planning Specialists, and Internal Sales Consultants.
• Communicate underwriting decisions clearly and provide guidance on reconsiderations.
• Balance workload and collaborate with underwriting team to manage cases.
• Refer complex cases to reinsurance or senior medical leadership as needed.
• Ensure decisions align with policies, standards, and regulations.

Skills

Analytical skills

Risk assessment

Communication

Leadership

Education

AALU designation

Job description

Raymond James is seeking a Senior Life Insurance Underwriter to assess risk and determine premium classifications based on a comprehensive evaluation of applicants’ health, financial background, occupation, travel, and lifestyle. The role involves evaluating new business, reinstatements, and coverage changes with input from MIB data and medical reports.

The position requires strong analytical and leadership abilities, with a focus on compliance, policy development, and collaboration with