Underwriter

National Life Insurance Company Limited; United States; Remote; USD 75,000 - 110,000; Full time

Benefits offered by this job

Benefits start day one

Job summary

National Life Group in Montpelier, VT is hiring several full-time experienced Underwriters to assess life applications and apply underwriting policies and regulations.

You will review data such as medical histories, prescription databases, credit status, and third-party information to make timely risk decisions that protect profitability.

The role emphasizes collaboration with agents and internal partners, ongoing education, and adherence to state and federal rules, with benefits starting day one.

Qualifications

• Bachelor’s degree preferred, and minimum 3 years Life Underwriting experience in production-oriented environment required
• Must be able to pass a background check
• Strong analytical and decision-making skills

Responsibilities

• Review cases and determine risk decisions using underwriting guidelines and data sources.
• Maintain knowledge base through ongoing education and industry exams (e.g., ALU, LOMA).
• Collaborate with internal and external partners to gather case information and explain decisions to customers/agents.
• Provide technical guidance to team and identify process improvements.
• Resolve escalations with urgency and keep stakeholders informed.

Skills

Risk assessment

Data analysis

Communication

Collaboration

Education

Bachelor’s degree preferred

Job description

Come join one of America’s fastest-growing insurance companies. Since 1848, National Life Group has aimed to keep our promises, providing families with stability in good times and in bad. Throughout that history, we have provided peace of mind to those families as they plan their futures.

Our mission extends beyond the insurance and annuities policies that we offer. We strive to make the world a better place through our grants from our charitable foundation, paid volunteer time for our employees, environmentally sustainable and healthy workplaces, and events that promote the work of nonprofits in our own backyard.

We foster a collaborative environment with opportunities for growth and encourage our associates to live our values: Do good. Be good. Make good.

By joining our Talent Network , you’ll be added to our database of prospective candidates and may be contacted when a role opens that aligns with your background. This is a great way to stay informed about future opportunities and be considered early in the hiring process.

Join our quickly growing, fast-paced Underwriting team! We are hiring several full-time experienced Underwriters.

The primary purpose of all levels of Underwriting is to provide accurate and timely risk assessment and evaluation of life applications utilizing National Life underwriting policies, guidelines and insurance laws and regulations.

Essential Duties and Responsibilities

• Review Cases and Underwrites: Conducts risk assessments, following NLG Underwriting guidelines and philosophies, by analyzing data, using tools (e.g. medical history, prescription databases, borrowing history, credit rating etc.), and third-party information. Reviews files to assess risk and regulatory compliance (e.g. IGO, NIGO, etc.) on potential clients by analyzing health-related data, assessing financial status of clients, and makes final risk decisions on policies to protect NLG bottom line and maintain profitability by avoiding fines and putting good risk on the books.
• Grows and Maintains Underwriting knowledge base: Proactively seeks information (e.g. processes, philosophies, etc.) as well as formal and informal educational opportunities (e.g. medical and mentoring discussions, etc.) to build the foundations of a solid Underwriting career and continuously expand knowledge, skills, and abilities. Participation in industry education, taking exams (e.g. ALU, LOMA, etc.) and earning designations to help build business acumen.
• Collaborates : Communicates (verbal and written) with internal and external constituents to gather information around new cases, gain insights, and explain decisioning while building relationships with customers / agents and demonstrating seamless service excellence. Effectively communicates in a way that helps customers understand NLG policies and processes for decision making that instills confidence in our practices. Builds relationships with others in the organization (e.g. Agency leaders, agents, distribution leaders, client partners, key accounts, etc.).
• Provides Technical Expertise : Guides and educates team members on to improving quality, capabilities, efficiencies, and output. Identifies and facilitates implementation of cross-functional process improvement opportunities. Participates in interdepartmental presentations, helps with new hire training in various subjects.
• Resolves Escalations : Identifies, communicates, and resolves escalations while keeping key stakeholders informed; seeks assistance from manager/mentor for resolution. Reviews escalation requests with urgency and may consult on these with a mentor or leader.

Minimum Qualifications

• Bachelor’s degree preferred, and minimum 3 years Life Underwriting experience in production-oriented environment required
• Must be able to pass a background check

Benefits

• Your benefits start day one and are flexible and customizable to your and your family’s specific needs. Check out the BENEFITS of a Career at National Life!

National Life Group® is a trade name of National Life Insurance Company, Montpelier, VT – founded in 1848, Life Insurance Company of the Southwest, Addison, TX – chartered in 1955, and their affiliates. Each company of National Life Group is solely responsible for its own financial condition and contractual obligations. Life Insurance Company of the Southwest is not an authorized insurer in New York and does not conduct insurance business in New York. Equity Services, Inc., Member FINRA/SIPC, is a Broker/Dealer and Registered Investment Adviser affiliate of National Life Insurance Company. All other entities are independent of the companies of National Life Group.

Fortune 1000 status is based on the consolidated financial results of all National Life Group companies.

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National Life Group

1 National Life Dr

Montpelier, VT 05604