Senior Underwriting Consultant - Life Underwriting - Remote

Symetra; United States; Hybrid; USD 106,400 - 177,300; Full time

Benefits offered by this job

Flexible full-time or hybrid telecommuting

401(k) plan with company matching

Paid vacation and sick time

Job summary

Symetra is seeking a Senior Life Underwriting Consultant to join our Life Underwriting Department. The successful candidate will assess complex mortality risks, focusing on high-net-worth and foreign national clients.

Responsibilities include reviewing life insurance applications and collaborating with Medical Directors and team members. A commitment to quality and customer service, along with strong analytical and negotiation skills, is essential.

The role offers flexible hybrid work arrangements and a comprehensive benefits package.

Qualifications

• 10-15 years of relevant experience in life underwriting.
• Strong technical and financial underwriting skills.
• Mastery of underwriting principles and insurance contract law.

Responsibilities

• Review individual life insurance applications.
• Communicate underwriting decisions to internal partners.
• Serve as a mentor for fellow underwriters.

Skills

Analytical skills

Problem-solving skills

Interpersonal skills

Negotiation skills

Attention to detail

Education

College degree preferred

High school diploma required

Job description

Symetra has an exciting opportunity to join our Life Underwriting Department as a Senior Life Underwriting Consultant for our Large Case and High‑Net‑Worth Foreign National Team.

About the role

At Symetra, we believe in empowering people to make a meaningful impact—and that includes our underwriters. As a Senior Underwriting Consultant, you’ll bring your expertise, judgment, and curiosity to a role where thoughtful decisions truly matter.

You’ll assess complex mortality risks with consistency and care, balancing sound underwriting principles with our commitment to meeting customer and market needs. This role offers the opportunity to work on sophisticated cases, including high‑net‑worth and international business, while contributing to a collaborative culture that values learning, partnership, and continuous improvement.

What you will do

• Deliver Thoughtful Underwriting Decisions
  • Review individual life insurance applications with a focus on high‑net‑worth and foreign national clients.
  • Assess medical and non‑medical risk in alignment with company guidelines, with the goal of delivering the best possible offer upfront.
  • Partner with Medical Directors, Underwriting Leadership, and peers to navigate complex or unique cases.
  • Apply your authority responsibly while ensuring appropriate collaboration on higher‑limit cases.
  • Meet service expectations while maintaining quality and consistency.
• Build Trusted Relationships
  • Communicate underwriting decisions clearly and respectfully with internal partners and distribution teams.
  • Foster strong relationships that support long‑term growth and mutual success.
  • Share your knowledge through agent and partner education, including leading seminars on underwriting topics.
  • Represent Symetra with professionalism in both virtual and in‑person settings; occasional travel may be required.
• Support and Develop Others
  • Serve as a resource and mentor for fellow underwriters, offering guidance on complex or high‑visibility cases.
  • Contribute to a culture of learning by supporting training, coaching, and knowledge sharing.
  • Lead educational sessions for agents, BGAs, and underwriting colleagues.
• Contribute to Continuous Improvement
  • Identify opportunities to enhance underwriting processes and the customer experience.
  • Participate in team, department, and company initiatives that drive innovation and effectiveness.
  • Engage with industry events and stay current on trends to help strengthen our underwriting practices.

Benefits and Perks

• Flexible full‑time or hybrid telecommuting arrangements.
• Plan for your future with our 401(k) plan and take advantage of immediate vesting and company matching up to 6%.
• Paid time away including vacation and sick time, flex days and ten paid holidays.
• Give back to your community and double your impact through our company matching.
• Want more details? Check out our Symetra Benefits Overview.

Compensation

Salary Range: $106,400 - $177,300 plus eligibility for annual bonus program.

Who You Are

• At least 10‑15 years of cumulative, relevant experience.
• Proven analytical and problem‑solving skills.
• Strong attention to detail and ability to manage large caseloads and provide quick turnaround times while maintaining Symetra's mortality standards.
• Strong technical and financial underwriting skills.
• Service‑oriented with commitment to meet deadlines, prioritize and handle multiple tasks in a demanding work environment.
• Strong interpersonal and communication skills (written and verbal).
• Mastery of underwriting principals, practices, insurance medicine, financial underwriting, field operations, product offerings and life insurance contract law.
• Ability to travel and make presentations to clients and producers.
• Strong negotiation skills.
• CLU, FALU and/or FLMI, or working towards completion of designation is preferred.
• College degree preferred, high school diploma required.

Travel

All newly hired people leaders with direct reports are required to complete a comprehensive leadership development program within their first year. This program includes both virtual and in‑person training. The in‑person sessions will take place at Symetra's corporate headquarters in Bellevue, Washington. Symetra covers all travel and accommodation expenses.

Symetra is committed to providing equitable access to all job‑related responsibilities, including required travel. If reasonable accommodations are needed for travel, Symetra's HR department will work to provide appropriate solutions in alignment with individual needs and company policies.

Work Authorization

Employer work visa sponsorship and support are not provided for this role. Applicants must be currently authorized to work in the United States at hire and must maintain authorization to work in the United States throughout their employment with our company.

Remote Network Minimum Requirements

• Minimum Internet Speed: 100 Mbps download and 20 Mbps upload, in alignment with the FCC's definition of "broadband."
• Internet Type: Fiber, Cable (e.g., Comcast, Spectrum), or DSL.
• Not Permissible: Satellite (e.g., Starlink), cellular broadband (hotspot or otherwise), any other wireless technology, or wired dial‑up.

Identity Verification

Symetra is committed to fair and secure hiring practices. For all roles, candidates will be required (after the initial phone screen) to be on video for all interviews. Symetra will take affirmative steps at key points in the process to verify that a candidate is not seeking employment fraudulently, e.g. through use of a false identity. Failure to comply with verification procedures may result in:

• Disqualification from the recruitment process.
• Withdrawal of a job offer.
• Termination of employment and other criminal and/or civil remedies, if fraud is discovered.