Underwriting Consultant

Pacific Life; Newport Beach (CA); Remote; USD 103,000 - 126,000; Full time

Benefits offered by this job

Health benefits and Wellbeing Reimb.?

Paid time off

Parental leave

401k with company match

Job summary

Pacific Life in the United States is seeking a talented Life Insurance Underwriting Consultant to join our Consumer Markets Division. This role supports 100% remote work and focuses on accelerated underwriting and digital tools to make timely, accurate risk decisions.

You will evaluate applicants using health histories, data sources, and predictive analytics, balancing prudent risk with customer experience to drive growth in direct-to-consumer channels.

Qualifications

• 2–5 years of life insurance underwriting experience.
• Foundational understanding of mortality assessment and risk classification.
• Experience with data-driven underwriting tools.

Responsibilities

• Evaluate life insurance applications using accelerated underwriting tools and data sources.
• Analyze medical, prescription, and third-party data to assess mortality risk.
• Apply guidelines to determine risk classifications and coverage decisions.
• Support direct-to-consumer distribution with timely underwriting decisions.
• Utilize underwriting systems and analytics platforms to manage caseloads.
• Collaborate with partners to improve outcomes and efficiency.

Skills

Life insurance underwriting

Data-driven underwriting

Mortality assessment

Risk classification

Analytical thinking

Effective communication

Education

Bachelor's Degree

Tools

Underwriting systems

Automation tools

Analytics platforms

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

As an Underwriting Consultant, you will play an important role in Pacific Life's growth and long-term success by evaluating life insurance applicants and assessing mortality risk through a modern, data-driven underwriting approach. Using health histories, prescription data, laboratory results, electronic health records, third‑party data sources, predictive risk tools, and underwriting analytics, you will evaluate applicants and determine appropriate underwriting outcomes.

In this role, you will focus on accelerated underwriting and direct distribution channels, utilizing technology, automation, and digital underwriting tools to make timely, accurate, and customer‑focused risk decisions. You will assess medical, lifestyle, and behavioral risk factors to evaluate mortality risk and determine whether coverage should be issued as applied for, modified, or declined.

You will work in a fast‑paced environment where efficiency, sound judgment, and attention to detail are critical. By balancing prudent risk selection with a seamless customer experience, you will help deliver competitive decisions that support growth in direct-to-consumer and digitally enabled distribution channels.

Our underwriters play a vital role in protecting the company's mortality experience while helping more customers access life insurance coverage quickly and conveniently. Through thoughtful risk assessment, effective use of underwriting technology, and consistent decision-making, you will contribute directly to business results and customer satisfaction.

Now is an exciting time to join our Underwriting team. Pacific Life is transforming the underwriting experience through advanced analytics, predictive modeling, digital health data, and accelerated underwriting capabilities. Our underwriters are empowered to build technical expertise, develop strong risk assessment skills, and grow their careers through ongoing training and development opportunities. Join a team dedicated to innovation, continuous learning, and delivering an exceptional customer experience in the evolving life insurance marketplace.

How You’ll Help Move Us Forward

• Evaluate life insurance applications using accelerated underwriting tools, digital health data, and predictive risk models.
• Analyze medical, prescription, laboratory, and third‑party data sources to assess mortality risk.
• Apply underwriting guidelines and sound judgment to determine appropriate risk classifications.
• Support direct-to-consumer and direct marketing distribution channels by delivering timely and accurate underwriting decisions.
• Utilize underwriting systems, automation tools, and analytics platforms to efficiently manage casework.
• Collaborate with underwriting, operations, data science, and business partners to improve customer outcomes and process efficiency.
• Maintain productivity, quality, and service standards while delivering a positive customer experience.

The Experience You Will Bring

• 2-5 years of Life Insurance Underwriting experience.
• Foundational understanding of mortality assessment, risk classification, and underwriting principles.
• Experience utilizing data-driven underwriting tools and electronic risk assessment resources.
• Strong analytical and critical thinking skills with the ability to evaluate multiple sources of information.
• Excellent written and verbal communication skills.
• Ability to work effectively in a fast‑paced, technology-enabled underwriting environment.

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

Underwriting Consultant

The base pay range below reflects the 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.

$103,140-$126,060

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.

You Can Be Who You Are.

We are committed to a culture of diversity and inclusion that embraces the authenticity of all employees, partners and communities. We support all employees to thrive and achieve their fullest potential. What's life like at Pacific Life? Visit Instagram.com/lifeatpacificlife

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.