Senior Underwriting Consultant

Pacific Life; Phoenix (AZ); Remote; USD 119,000 - 146,000; Full time

Benefits offered by this job

Medical, Dental, Vision

Wellbeing Reimbursement Account

Paid Time Off, Holidays

Parental Leave & Adoption Support

401k with company match

Job summary

Pacific Life is seeking an experienced Underwriter to join our Consumer Markets Division in a fully remote capacity. The role focuses on life insurance risk evaluation, mortality risk assessment, and accelerated underwriting with empowered decision-making.

Qualifications include 7-10+ years in life insurance underwriting, a Bachelor's degree, and active pursuit of professional credentials such as LOmu/FLMI.

Qualifications

• 7-10+ years of Life Insurance Underwriting experience and proficiency in underwriting processes/philosophies.
• Ability to handle advanced decision level authorities without a co-signature ($2.5 Million or higher).
• Strong written and verbal communication with internal/external relation-building.

Responsibilities

• Complete wing-to-wing underwriting decision.
• Review upfront underwriting data and tools.
• Handle additional underwriting requirements and risk selection.
• Finalize cases.
• Data enter medical history and use system workbenches to process cases.
• Adhere to schedules and meet productivity, quality, and performance standards.

Skills

Life Insurance Underwriting

Underwriting processes

Decision making

Communication

Attention to detail

Team collaboration

Education

Bachelor's Degree

LOMA 280/281 & 290/291; aiming for AALU/FLMI/FALU

Job description

Job Description

Providing for loved ones, planning rewarding retirements, saving enough for whatever lies ahead – our policyholders count on us to be there when it matters most. It’s a big ask, but it’s one that we have the power to deliver when we work together. We collaborate and innovate – pushing one another to transform not just Pacific Life, but the entire industry for the better. Why? Because it’s the right thing to do. Pacific Life is more than a job, it’s a career with purpose. It’s a career where you have the support, balance, and resources to make a positive impact on the future – including your own.

We’re actively seeking talented Life Insurance Underwriters to join our Consumer Markets Division. We are hiring at the Underwriting Consultant and Senior Underwriting Consultant level, and this role supports 100% remote work. As an Underwriting Consultant, you’ll play a key role in Pacific Life’s growth and long‑term success by evaluating insurance applicants; you'll correlate all aspects of risk to determine whether to accept, modify or decline applications. You'll focus on mortality by evaluating risk of death which includes history, degree of medical maintenance, treatment, and flags of potential future risk. Our underwriters are a crucial part to the placement of Life Insurance coverage and can directly impact our position in the marketplace and relationship with distribution partners. Now is a great time to join our Underwriting team. We have undertaken a transformational effort to update our tools and achieve accelerated underwriting. Our underwriters are empowered to grow their careers through learning and development opportunities.

How You’ll Help Move Us Forward

• Complete wing‑to‑wing underwriting decision
• Starting with review of upfront underwriting data and tools
• Handle additional underwriting requirements by determining value, ordering, and reviewing to perform risk selection
• Finalizing cases
• Data enter medical history and use system workbenches to process and decision cases
• Demonstrate dependability, organization, and sound judgment by adhering to schedules and meeting all productivity, quality, and performance standards.

The Experience You Bring

• 7-10+ years of Life Insurance Underwriting experience with proven proficiency in underwriting processes and philosophies
• Ability to handle advanced decision level authorities without a co‑signature ($2.5 Million or higher)
• Effective written and verbal communication skills with the ability to build relationships both internally and externally
• Critical thinking skills and attention to detail with the ability to quickly identify information by categorizing, estimating, recognizing differences or similarities, and detecting changes in circumstances or events
• Ability to interpret meaning of information for others; translating or explaining what information means and how it can be used
• Ability to develop specific goals, plan, and prioritize work

What Make You Stand Out

• Bachelor's Degree
• BGA and Trial Experience Preferred
• Completion of LOMA 280/281 and 290/291; actively working toward AALU, FLMI, and FALU

Senior Underwriting Consultant

The base pay range below reflects the Senior Underwriting Consultant level and represents the company’s good faith minimum and maximum range for this role at that level at the time of posting.

$119,070 - $145,530

Base Pay Range

The base pay range noted represents the company’s good faith minimum and maximum range for this role at the time of posting. The actual compensation offered to a candidate will be dependent upon several factors, including but not limited to experience, qualifications and geographic location. Also, most employees are eligible for additional incentive pay.

Your Benefits Start Day 1

• Prioritization of your health and well‑being including Medical, Dental, Vision, and Wellbeing Reimbursement Account that can be used on yourself or your eligible dependents
• Generous paid time off options including: Paid Time Off, Holiday Schedules, and Financial Planning Time Off
• Paid Parental Leave as well as an Adoption Assistance Program
• Competitive 401k savings plan with company match and an additional contribution regardless of participation

EEO Statement

Pacific Life Insurance Company is an Equal Opportunity /Affirmative Action Employer, M/F/D/V. If you are a qualified individual with a disability or a disabled veteran, you have the right to request an accommodation if you are unable or limited in your ability to use or access our career center as a result of your disability. To request an accommodation, contact a Human Resources Representative at Pacific Life Insurance Company.