Evaluate and underwrite complex, high-face-amount individual life insurance cases (often $5M+), assess medical/financial risks, provide second-signature support, mentor junior underwriters, manage relationships with independent agents/BGAs, and maintain service and quality standards.
The work we do has an impact on millions of lives, and you can be a part of it.
We help protect our customers against life’s uncertainties. Regardless of where you work within the company, you’ll be helping provide protection and peace of mind when our customers need it most.
We are seeking a Sr. Underwriting Consultant to join our Life Underwriting team in a fully remote capacity. This role is designed for a highly experienced underwriter who can independently evaluate complex, high-face-amount cases while serving as a subject matter expert and mentor to others.
You will play a critical role in balancing risk assessment, customer experience, and distribution relationships, particularly within the independent/BGA marketplace.
Key Responsibilities
- Underwrite complex individual life insurance cases, including impaired risk, with face amounts typically above $5M and authority up to $10M
- Analyze medical, financial, and non-medical information to make sound, timely underwriting decisions
- Provide second signature support and guidance to junior underwriters
- Partner closely with internal sales and distribution teams to support business objectives
- Build and maintain strong relationships with independent agents, BGAs, and key distribution partners
- Manage a high-volume caseload while meeting service and quality standards
- Communicate underwriting decisions clearly and effectively to internal and external stakeholders
- Contribute to team development through mentoring, training, and knowledge sharing
Qualifications
- Required Experience
- Bachelor’s degree or equivalent experience
- Minimum of 8 years of life insurance underwriting experience
- Proven ability to underwrite large and complex cases, including impaired risks
- Experience working within the independent agent / brokerage (BGA) distribution channel
- Demonstrated decision-making authority on higher face amounts and complex risk profiles Preferred Credentials
- Industry designations such as FALU, FLMI, CLU, or equivalent coursework
- Continued professional development aligned with underwriting expertise
Core Competencies
- Strong analytical and risk assessment skills in a dynamic environment
- Excellent communication and relationship management abilities
- Customer-focused mindset with a commitment to service excellence
- Ability to manage competing priorities and maintain productivity
- Proven track record of quality decisions, productivity, and career progression
Why Join Us?
- Fully remote role with national exposure and impact
- Opportunity to work on high-value, complex underwriting cases
- Collaborative environment with strong partnership between underwriting and distribution
- Career growth through advanced casework, mentorship, and leadership opportunities
The internal job title for this role is Sr. UW Generalist.
Employee Benefits:
We aim to protect the wellbeing of our employees and their families with a broad benefits offering. In addition to offering comprehensive health, dental and vision insurance, we support emotional wellbeing through mental health benefits and an employee assistance program. Work/life balance is important and Protective offers a variety of paid time away benefits (e.g., paid time off, paid parental leave, short-term disability, and a cultural observance day). The financial health of our employees is just as important as physical and emotional health. Some of the financial wellbeing benefits include contributions to healthcare accounts, a pension plan, and a 401(k) plan with Company matching. All employees are encouraged to protect their overall wellbeing by engaging in ProHealth Rewards, Protective’s platform to improve wellbeing while earning cash rewards.
Eligibility for certain benefits may vary by position in accordance with the terms of the Company’s benefit plans.
Accommodations for Applicants with a Disability:
If you require an accommodation to complete the application and recruitment process due to a disability, please email [email protected]. This information will be held in confidence and used only to determine an appropriate accommodation for the application and recruitment process.
Please note that the above email is solely for individuals with disabilities requesting an accommodation. General employment questions should not be sent through this process.
We are proud to be an equal opportunity employer committed to being inclusive and attracting, retaining, and growing an inclusive workforce.
Similar Jobs
Insurance
Underwrite and manage new and renewal farm insurance business, evaluate complex risks and coverage requests, partner with agents through visits, apply loss mitigation strategies, analyze portfolio performance, prepare underwriting recommendations and reports, participate in quality reviews and audits, and support continuous improvement and training initiatives.
Insurance
The Senior Underwriting Consultant manages the underwriting process for complex life applications, ensuring risk selection aligns with financial objectives while providing high-quality service and training to junior underwriters.
Artificial Intelligence • Information Technology • Machine Learning • Natural Language Processing • Productivity • Software • Generative AI
Manage a portfolio of Superhuman Docs accounts to drive adoption, retention, and expansion. Act as a trusted advisor, run account reviews, build feedback loops to inform product roadmap, design change management and enablement programs, and collaborate cross-functionally to deliver customer value and identify upsell opportunities.
Top Skills:
CRMExcelGoogle SheetsSuperhuman Docs
What you need to know about the Los Angeles Tech Scene
Los Angeles is a global leader in entertainment, so it’s no surprise that many of the biggest players in streaming, digital media and game development call the city home. But the city boasts plenty of non-entertainment innovation as well, with tech companies spanning verticals like AI, fintech, e-commerce and biotech. With major universities like Caltech, UCLA, USC and the nearby UC Irvine, the city has a steady supply of top-flight tech and engineering talent — not counting the graduates flocking to Los Angeles from across the world to enjoy its beaches, culture and year-round temperate climate.
Key Facts About Los Angeles Tech
- Number of Tech Workers: 375,800; 5.5% of overall workforce (2024 CompTIA survey)
- Major Tech Employers: Snap, Netflix, SpaceX, Disney, Google
- Key Industries: Artificial intelligence, adtech, media, software, game development
- Funding Landscape: $11.6 billion in venture capital funding in 2024 (Pitchbook)
- Notable Investors: Strong Ventures, Fifth Wall, Upfront Ventures, Mucker Capital, Kittyhawk Ventures
- Research Centers and Universities: California Institute of Technology, UCLA, University of Southern California, UC Irvine, Pepperdine, California Institute for Immunology and Immunotherapy, Center for Quantum Science and Engineering
