Senior Underwriting Consultant - Remote

Reinsurance Group Of America, Incorporated; Northern (KY); Hybrid; USD 90,000 - 130,000; Full time

Job summary

Reinsurance Group Of America, Incorporated is seeking an experienced Life Underwriter to evaluate and classify medical, non-medical, and financial risks on complex life insurance cases up to $10,000,000. The role requires collaborating with clients and internal teams to deliver competitive, profitable quotes and timely decisions.

Responsibilities include underwriting complex risks with substantial approval authority, maintaining client relationships, and staying current with industry guidelines.

Qualifications

• Bachelor’s degree or equivalent work experience (minimum 8 years).
• 4–6 years reinsurance life underwriting experience or 7–8 years direct life underwriting experience.
• Basic Word skills, intermediate SQL/Query and Excel skills.
• Advanced oral and written communication skills; ability to work under deadlines.

Responsibilities

• Underwrites complex life insurance risks with high approval authority (up to $5,000,000).
• Maintains client relationships by providing underwriting solutions and communicating decisions clearly.
• Collaborates with Medical Directors and teams to resolve issues and improve outcomes.
• Keeps up to date with underwriting guidelines and industry developments.

Skills

Underwriting

SQL/Query

Excel

Communication

Multitasking

Education

Bachelor’s Degree or equivalent

Tools

Word

SQL/Query

Excel

Job description

You desire impactful work.

You're RGA ready

RGA is a purpose-driven organization working to solve today’s challenges through innovation and collaboration. A Fortune 200 Company and listed among its World's Most Admired Companies, we're the only global reinsurance company to focus primarily on life- and health-related solutions. Join our multinational team of intelligent, motivated, and collaborative people, and help us make financial protection accessible to all.

Position Overview

Under limited supervision, evaluates and classifies medical, non-medical, and financial risks on complex risks for life insurance up to $10,000,000 with approval authority up to $5,000,000. Ensures rate quotes are fair and equitable to clients, profitable to RGA Re, and completed within the required time frames. Maintains strong client relationships by providing underwriting solutions to client issues and communicating underwriting decisions, compromises and solutions in a professional, client-focused manner.

Responsibilities

• Appraises and underwrites complex risks for life insurance with approval authority up to $5,000,000 and ensures underwriting quotes are sound, competitive and profitable to RGA Re.
• Processes casework load to ensure completion in a timely, efficient manner, meeting or exceeding time service/productivity goals and offer/decline ratios; and ensuring compliance with internal underwriting and audit guidelines.
• Provides underwriting solutions to clients by partnering with them to identify unique, creative ways to solve their problems and improve their business results.
• Builds and maintains strong working relationships with clients by gaining knowledge of clients' business and uses effective listening skills to understand their needs. Effectively communicates, sells and negotiates RGA Re's underwriting decisions.
• Keeps abreast of new client company or industry products, current developments and changes in medical and financial underwriting and maintains/updates professional development through study of literature and participation in seminars.
• Identifies image system issues, sometimes on a remote basis, and reports inconsistencies or problems.
• Collaborate with Medical Directors, other team members, internal departments and other RGA Re offices to obtain expert knowledge, to assist in identifying solutions and resolutions to problems/issues resulting in quality results and client satisfaction.
• Participates in special projects, committees, and meetings and assists in client presentations, as required.
• Assists in department training, updating internal underwriting guidelines/procedures, gathering client profiles, audit reviews, and in other department areas as needed.
• Maintains regular and predictable attendance.
• Performs backup support and other duties as assigned.

Qualifications

• Bachelor’s Degree or equivalent related work experience (minimum 8 years)
• 4-6 years reinsurance Life underwriting experience or 7-8 years direct Life underwriting experience
• Basic Word skills, intermediate SQL/Query and Excel skills
• Competent ability to comprehend and interpret insurance and contract documents.
• Advanced oral and written communication skills demonstrate the ability to share and impart knowledge.
• Ability to quickly adapt to new methods, work under tight deadlines and stressful conditions.
• Advanced investigative, analytical and problem-solving skills
• Advanced ability to set goals and handle multiple tasks, clients, and projects simultaneously; Ability to appropriately balance priorities, deadlines, and deliverables
• Ability to work well within a team environment and participate in department/team projects
• Ability to balance detail with departmental goals/objectives
• Advanced ability to translate business needs and problems into viable/accepted solutions
• Advanced skills in customer relationship management and change management
• Ability to manage multiple projects or teams and set applicable goals
• Advanced negotiating and persuasion skills
• Ability to liaise with individuals across a wide variety of operational, functional, and technical disciplines
• General business knowledge
• Advanced knowledge of insurance principles, underwriting policies and procedures and guidelines for dealing with risk analysis.
• Advanced knowledge of medicine, law, accounting, finance as applied to the evaluation of life reinsurance risks and of life insurance risks.
• Ability to comprehend, analyze and apply vast amounts of medical and financial information quickly to making sound financial underwriting and risk assessments.
• Ability to work online, either at home or remote
• Ability to travel occasionally

#LI-REMOTE #LI-SP2

What you can expect from RGA:

• Gain valuable knowledge from and experience with diverse, caring colleagues around the world.
• Enjoy a respectful, welcoming environment that fosters individuality and encourages pioneering thought.
• Join the bright and creative minds of RGA, and experience vast, endless career potential.

We’re excited to get to know you and connect your unique skills with our global opportunities. To create a modern and seamless experience, we use artificial intelligence (AI) in parts of our preliminary screening process. This technology helps us personalize job recommendations, automate interview scheduling, evaluate candidates based solely on experience—without considering name, gender, or other personal details—and provide real-time answers through our chatbot. AI is used only during early screening and never makes hiring decisions. Your RGA recruiter will work closely with you every step of the way to ensure the process feels personal, thoughtful, and focused on you.

Compensation Range:

Base pay varies depending on job-related knowledge, skills, experience and market location. In addition, RGA provides an annual bonus plan that includes all roles and some positions are eligible for participation in our long-term equity incentive plan. RGA also maintains a full range of health, retirement, and other employee benefits.

RGA is an equal opportunity employer. Qualified applicants will be considered without regard to race, color, age, gender identity or expression, sex, disability, veteran status, religion, national origin, or any other characteristic protected by applicable equal employment opportunity laws.