Underwriting Consultant

Pacific Life; Newport Beach (CA); Remote; USD 90,000 - 150,000; Full time

Benefits offered by this job

Medical, Dental, Vision benefits

Flexible paid time off

401(k) with company match

Job summary

A leading life insurance provider in California is seeking a skilled Life Insurance Underwriter to join their Consumer Markets Division. This fully remote role involves evaluating insurance applicants to correlate risk and make informed decisions. Successful candidates will possess 7-10 years of underwriting experience, strong critical thinking skills, and the ability to manage advanced decision levels. The company offers a supportive environment with a focus on career growth and a range of benefits starting from Day 1 including medical, dental, and paid parental leave.

Qualifications

• 7-10+ years of Life Insurance Underwriting experience.
• Ability to handle advanced decision-level authorities without co-signature.
• Strong attention to detail and critical thinking skills.
• Critical thinking and attention to detail with the ability to quickly identify information and make decisions.
• Ability to translate information for others and explain its meaning.
• Ability to develop goals, plan, and prioritize work.

Responsibilities

• Evaluate insurance applicants and correlate risk.
• Data entry and process decision cases.
• Adhere to productivity and quality standards.
• Demonstrate dependability, organization, and sound judgment by meeting productivity, quality, and performance standards.

Skills

Life Insurance Underwriting

Critical thinking

Communication skills

Critical thinking

Attention to detail

Relationship building

Education

Bachelor’s Degree

LOMA 280/281 & 290/291

AALU/FLMI/FALU in progress

Job description

life insurance, parental leave, paid time off, 401(k), remote work

United States, California, Newport Beach

Mar 01, 2026

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 a talented Life Insurance Underwriter to join our Consumer Markets Division. This role supports 100% remote work.

As an Underwriter, 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. Apply today to join a team that is dedicated to innovation, career development, and the people‑first culture of Pacific Life.

How you will make an impact

• Starting with review of upfront underwriting data and tools.
• Handle additional underwriting requirements by determining value, ordering, and reviewing to perform risk selection.
• 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 will 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 (1 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 will 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.

Compensation

The base pay range listed reflects the Underwriting Consultant level. Hiring level will be commensurate with years of experience and qualifications, and salaries are also based on geographical location.

People come first here. We’re committed to an inclusive workforce. Learn more about how we create a welcoming work environment at www.pacificlife.com. What’s life like at Pacific Life? Visit Instagram.com/lifeatpacificlife.

Your Benefits Start Day 1

Benefits start Day 1. Your wellbeing is important. We’re committed to providing flexible benefits that you can tailor to meet your needs, whether you’re focusing on your physical, financial, emotional, or social wellbeing. Prioritization of your health and well‑being includes Medical, Dental, Vision, and a Wellbeing Reimbursement Account that can be used on yourself or your eligible dependents.

Generous paid time off options include Paid Time Off, Holiday Schedules, and Financial Planning Time Off.

Paid Parental Leave as well as an Adoption Assistance Program.

Competitive 401(k) 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.