Overview:

The Life Underwriting Consultant is responsible for evaluating life insurance applications and selecting risks that align with company profitability objectives while maintaining a competitive position in the marketplace and delivering fair, equitable outcomes for applicants. This role reviews, analyzes, and classifies new business, changes, reinstatements, and inquiries with a high degree of accuracy and timeliness. The Life Underwriting Consultant operates as a trusted partner to distribution, a key contributor to team performance, and a subject matter expert  within the underwriting team.

Responsibilities include but are not limited to:

Risk Assessment & Decisioning

• Evaluate applications within assigned authority by analyzing medical, financial, and lifestyle risk factors to determine acceptability and appropriate classification

• Exercise sound judgment to identify potential fraud and ensure compliance with underwriting guidelines

• Make timely and accurate decisions while balancing risk selection, competitiveness, and customer experience

• Recommend decisions and provide clear rationale on cases outside authority or of higher complexity

Case Management & Execution

• Order only necessary and appropriate requirements to efficiently assess risk

• Manage workload to consistently meet or exceed productivity and quality expectations

• Approve applications up to established authority limits (e.g., up to $3M all ages and ratings)

• Collaborate with reinsurers as needed for rated cases

Field & Partner Relationship Management

• Build and maintain strong relationships with brokers, advisors, and internal partners

• Communicate underwriting decisions clearly, professionally, and empathetically to foster trust and encourage future business

Process Improvement & Organizational Contribution

• Identify opportunities to improve underwriting processes and enhance the customer experience

• Contribute to departmental initiatives and special projects as directed

• Provide insights and solutions to management regarding team, workflow, or operational challenges

Qualifications

• Bachelor’s degree or equivalent experience

• Minimum of 3 years of life underwriting experience

• Demonstrated expertise in substandard underwriting

• Underwriting knowledge across medical and financial risk assessment

• Strong decision-making skills with the ability to act independently in real time

• Proven ability to analyze complex cases and apply sound judgment

• Effective written and verbal communication skills

• Ability to document rationale clearly and consistently

• Proficiency in financial underwriting, including business cases

• Understanding of reinsurance principles and when to engage partners

• Results-oriented with a focus on quality and productivity

• Agile mindset with a focus on continuous improvement and innovation

Preferred Qualifications

• Industry designations (FLMI, FALU, CLU)

Preferred Skills:

Be you. With us. At Securian Financial, we understand that attracting top talent means offering more than just a job – it means providing a rewarding and fulfilling career. As a valued member of our high-performing team, we want you to connect with your work, your relationships and your community. Enjoy our comprehensive range of benefits designed to enhance your professional growth, well-being and work-life balance, including the advantages listed here:

Paid time off:

• We want you to take time off for what matters most to you. Our PTO program provides flexibility for associates to take meaningful time away from work to relax, recharge and spend time doing what’s important to them. And Securian Financial rewards associates for their service by providing additional PTO the longer you stay at Securian. 
• Leave programs: Securian’s flexible leave programs allow time off from work for parental leave, caregiver leave for family members, bereavement and military leave.
• Holidays: Securian provides nine company paid holidays.

Company-funded pension plan and a 401(k) retirement plan: Share in the success of our company. Securian’s 401(k) company contribution is tied to our performance up to 10 percent of eligible earnings, with a target of 5 percent. The amount is based on company results compared to goals related to earnings, sales and service.

Health insurance: From the first day of employment, associates and their eligible family members – including spouses, domestic partners and children – are eligible for medical, dental and vision coverage.

Volunteer time: We know the importance of community. Through company-sponsored events, volunteer paid time off, a dollar-for-dollar matching gift program and more, we encourage you to support organizations important to you.

Associate Resource Groups: Build connections, be yourself and develop meaningful relationships at work through associate-led ARGs. Dedicated groups focus on a variety of interests and affinities, including:

• Environmental Health & Sustainability
• Mental Wellness and Disability
• Pride at Securian Financial
• Securian Young Professionals Network
• Securian Multicultural Network
• Securian Women and Allies Network
• Servicemember Associate Resource Group

For more information regarding Securian’s benefits, please review our Benefits page.

This information is not intended to explain all the provisions of coverage available under these plans. In all cases, the plan document dictates coverage and provisions.

Securian Financial Group, Inc. does not discriminate based on race, color, religion, national origin, sex, gender, gender identity, sexual orientation, age, marital or familial status, pregnancy, disability, genetic information, political affiliation, veteran status, status in regard to public assistance or any other protected status. If you are a job seeker with a disability and require an accommodation to apply for one of our jobs, please contact us by email at Employment@Securian.com, by telephone 651-655-5522 (voice), or 711 (Relay/TTY).

Securian Financial is a drug-free workplace.

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