Senior Life Underwriting Consultant (Remote/Hybrid)

constellationinsurancecareers; Kentucky; Hybrid; USD 110,000 - 160,000; Full time

Benefits offered by this job

Healthcare coverage

Life insurance

401(k) plan

Paid parental leave

Flexible time-off

Dress for your day

Inclusion and Culture

Flexible work options

Well-being focus

Community connections

Job summary

Constellation is seeking an Underwriting Consultant, a senior underwriting professional who will evaluate and classify complex life insurance risks, applying advanced technical expertise and judgment.

You will manage high-value cases, serve as a technical resource, mentor colleagues, and collaborate with producers, internal teams, and Home Office partners to explain decisions and ensure risk-appropriate pricing.

Qualifications

• Bachelor's degree or equivalent combination of education and relevant professional experience preferred.
• 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 analytical, documentation, and decision-making skills.
• Ability to communicate complex underwriting decisions effectively to both technical and non-technical audiences.
• Demonstrated ability to mentor within an underwriting team.

Responsibilities

• Independently evaluate and classify complex life insurance applications in accordance with company underwriting guidelines, mortality pricing assumptions, reinsurance agreements, and risk management practices.
• Assess medical, financial, occupational, avocational, foreign travel, residency, and other mortality risks while making well-supported underwriting 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 that exceed other underwriters' authority limits or require 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.

Skills

Underwriting expertise

Risk assessment

Decision making

Mentoring

Communication

Education

Bachelor's degree or equivalent

Job description

Constellation is seeking an Underwriting Consultant, a senior underwriting professional who will evaluate and classify complex life insurance risks, applying advanced technical expertise and judgment.

You will manage high-value cases, serve as a technical resource, mentor colleagues, and collaborate with producers, internal teams, and Home Office partners to explain decisions and ensure risk-appropriate pricing.