Senior Life Underwriting Leader - Strategic Risk & Growth

Securian; Minnesota; Remote; USD 92,000 - 170,000; Full time

Benefits offered by this job

PTO & time off

Parental/ caregiver leave

Nine company paid holidays

401(k) with company match

Health insurance

Volunteer time

Associate Resource Groups

Job summary

Securian Financial is seeking a Life Underwriting Sr. Consultant in Minnesota to evaluate life insurance applications, assess risk, and make decisions within authority.

You will partner with distribution, manage large cases, and drive process improvements while upholding profitability and fairness for applicants. Ideal candidates have 7+ years of underwriting experience, strong knowledge of substandard and large-case underwriting, and excellent communication.

Qualifications

• Bachelor's degree or equivalent experience required.
• Minimum of 7 years of life underwriting experience.
• Expertise in substandard underwriting.
• Expertise in large case underwriting.
• Underwriting knowledge across medical and financial risk assessment.
• Strong decision-making skills with the ability to act independently in real time.
• Proven ability to analyze complex cases and apply sound judgment.
• Effective written and verbal communication skills.
• Ability to document rationale clearly and consistently.
• Proficiency in financial underwriting, including business cases.
• Understanding of reinsurance principles and when to engage partners.
• Results-oriented with a focus on quality and productivity.
• Agile mindset with a focus on continuous improvement and innovation.
• Trusted advisor to the field and internal partners.

Responsibilities

• Evaluate applications within authority by analyzing medical, financial, and lifestyle risk factors.
• Exercise judgment to identify potential fraud and ensure guideline compliance.
• Make timely decisions balancing risk, competitiveness, and customer experience.
• Collaborate with reinsurers for rated cases and large reviews.
• Order only necessary requirements to assess risk efficiently.
• Manage workload to meet productivity and quality expectations.
• Provide clear rationale on cases outside authority or of higher complexity.
• Build and maintain strong relationships with brokers, advisors, and internal partners.
• Identify opportunities to improve underwriting processes and customer experience.
• Contribute to departmental initiatives and cross-functional projects.

Skills

Decision making

Analytical ability

Communication

Collaboration

Agile mindset

Trusted advisor

Education

Bachelor's degree or equivalent experience

Job description

Securian Financial is seeking a Life Underwriting Sr. Consultant in Minnesota to evaluate life insurance applications, assess risk, and make decisions within authority.

You will partner with distribution, manage large cases, and drive process improvements while upholding profitability and fairness for applicants. Ideal candidates have 7+ years of underwriting experience, strong knowledge of substandard and large-case underwriting, and excellent communication.