Senior Life Underwriting Consultant (Remote-Friendly)

Constellation Insurance, Inc.; Cincinnati (OH); Hybrid; USD 120,000 - 190,000; Full time

Job summary

Constellation Insurance, Inc. seeks an Underwriting Consultant to evaluate and classify complex life insurance risks with senior-level authority and independent judgment.

You will influence risk selection, support underwriting quality, and collaborate with producers, internal teams, and Home Office partners. The role requires eight-plus years in life underwriting, advanced knowledge of underwriting principles and reinsurance, and the ability to mentor teammates.

Qualifications

• Bachelor’s degree or higher education required.
• FALU and FLMI certifications preferred.
• Minimum 8 years of progressively responsible individual life insurance underwriting experience, including complex medical and financial underwriting.
• Advanced knowledge of life insurance underwriting principles, human physiology, medical impairments, financial underwriting, occupations, avocations, and reinsurance practices.
• Strong understanding of reinsurance concepts, including retention, automatic binding limits, jumbo limits, and facultative underwriting.
• Excellent analytical, documentation, and decision‑making skills.
• Ability to communicate complex underwriting decisions effectively to both technical and non‑technical audiences.
• Demonstrated ability to serve as a technical resource and mentor within an underwriting team.

Responsibilities

• Independently evaluate and classify complex life insurance applications per guidelines and mortality pricing.
• Assess medical, financial, occupational, avocational, foreign travel, residency, and other mortality risks to support decisions.
• Manage large and complex cases with underwriting authority of $5 million or greater without co-signature requirements.
• Serve as a senior technical resource by providing second-level reviews and co-signature support on cases exceeding authority limits or requiring advanced technical review.
• Partner with producers, distribution partners, internal sales teams, and Home Office associates to explain underwriting decisions, adverse actions, and financial determinations.
• Mentor and support other members of the Underwriting department through technical guidance and expertise.

Education

Bachelor’s degree or equivalent

FALU

FLMI

Job description

Constellation Insurance, Inc. seeks an Underwriting Consultant to evaluate and classify complex life insurance risks with senior-level authority and independent judgment.

You will influence risk selection, support underwriting quality, and collaborate with producers, internal teams, and Home Office partners. The role requires eight-plus years in life underwriting, advanced knowledge of underwriting principles and reinsurance, and the ability to mentor teammates.