Individual Life Underwriter
$40-45 per hour
Apply (opens in a new tab)Individual Life Underwriter
Posted 3 days ago
SENIORITY
Senior
SALARY
$40-45 per hour
About the role
- Review and assess individual life insurance applications for completeness and risk acceptability
- Evaluate medical, financial, and non-medical risk factors using approved underwriting manuals and rules
- Classify risks and render underwriting decisions within authorized limits
- Document underwriting rationale clearly and consistently in underwriting systems
- Identify requirements needed to reach underwriting decisions
- Adhere to defined turnaround times and underwriting service-level agreements
- Escalate cases exceeding delegated authority per established protocols
- Comply with all regulatory, compliance, and data security requirements
- Minimum 5 years of individual life underwriting experience (targeting 10+ years)
- Experience underwriting medically underwritten life insurance products
- Strong knowledge of medical impairments, mortality risk, and financial underwriting
- Strong ability to read/review and interpret medical records (complex records required)
- Ability to apply underwriting guidelines consistently and defensibly
- Experience working in electronic underwriting and policy administration systems
- Ability to independently handle complex medical histories (PTSD, chronic pain, substance abuse) common in the military market
- Experience underwriting Whole Life and Term policies
- Experience rating up to 250–300 debits (not limited to table four)
- Comfortable with face amounts targeting $3M (minimum $2M)PREFERRED REQUIRMENTSMutual/fraternal carrier underwriting background
- Familiarity with accelerated / evidence-based underwriting models
- Designations: CLU, FALU, FLMI
- Medical insurance
- Dental insurance
- Vision insurance 401(k) retirement savings plan
Before you apply
Applying takes about a minute. These four things decide how fast it moves after that.
Your profile is current
It's what we read first. Occupations, seniority and locations matter more than a long history.
Two examples you can talk through
Not a portfolio — just two pieces of work where you can explain the decisions and what you'd change.
A number in mind
What you're on now and what would make you move. We negotiate better when we know both.
Your notice period
Employers plan around it, and it's the question that stalls offers most often.
Once you apply, someone reads it and calls you before anything reaches the employer — usually within two working days.
