Job Summary
The Director, Underwriting Implementation leads the development, optimization, and ongoing management of digital applications and underwriting automation that support life-product sales, profitability, and customer experience. Leveraging expertise in underwriting technology, operations, and program management, this role identifies efficiency opportunities, resolves defects, and drives continuous improvement across data sources, analytics, automated decisioning, underwriting requirements, processes, and programs. The Director represents Underwriting on cross-functional initiatives to deliver innovative, effective life underwriting solutions.
Duties & Responsibilities
- Lead the end-to-end design, implementation, and ongoing enhancement of digital applications, underwriting rules, and auto-decisioning technology to support underwriting guidelines, product development, and transformation initiatives.
- Oversee all aspects of rules-engine automation, including vendor management, third-party evidence-provider integrations, internal IT coordination, and implementation of new underwriting tools and capabilities.
- Translate F&G’s underwriting philosophy and guidelines into scalable automated technology solutions and rule sets that support life sales while balancing risk and profitability, using underwriting decision and performance data to continuously refine and enhance automation.
- Maintain a strong understanding of current and emerging risk-selection requirements, underwriting tools, and their impact on mortality; partner with the Director, Underwriting Innovations to assess the protective value of underwriting elements and programs.
- Lead implementation of underwriting applications that support product development, balancing the protective value of proposed solutions with associated cost, operational impact, and implementation effort.
- Maintain a broad understanding of business functions, competitive dynamics, and emerging technology opportunities; represent Underwriting on cross-functional teams to identify, deliver, and enhance digital experiences for agents and clients.
- Partner closely with Underwriting Operations, process owners, and stakeholders to ensure automation initiatives support day-to-day processing and business expectations; lead strategic process changes and facilitate resolution of stakeholder or project-team conflicts as needed.
Supervisory Responsibilities: This role has people leadership responsibilities, including managing performance, developing talent, and supporting engagement and team effectiveness.
Knowledge, Skills & Abilities
- Continuous-improvement mindset with the ability to challenge existing processes and introduce practical, innovative approaches that enhance efficiency, effectiveness, and business results.
- Strong business acumen, analytical reasoning, and problem-solving skills, with the ability to assess issues, evaluate options, and prioritize work based on business impact.
- Excellent verbal and written communication skills, with the ability to clearly convey risks, issues, and key decisions to technical and non-technical audiences, including senior leadership.
- Demonstrated integrity, accountability, and initiative, with a proven ability to deliver accurate, timely work and perform effectively in fast-paced, complex, and evolving environments.
Minimum Qualifications
- Bachelor's Degree
- 8+ years of Life Underwriting experience
Preferred Qualifications
- Underwriting Automation
- Working with outsourced partners
- FLMI and FALU Certification
Other Requirements
- This position primarily involves sedentary work, requiring long periods of sitting, regular use of a computer, and occasional standing or walking, with reasonable accommodations available.
- Perform other functions, duties and projects as assigned
- Regular and punctual attendance
Ability to travel up to: 10% of the time
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Work Environments
F&G believes in an employee-centric flexible environment, which is why we offer the ability for in-office, hybrid and remote work arrangements. During the hiring process, you'll work with your leader to decide what works best for your role.
F&G complies with federal and state disability laws and makes reasonable accommodations for applicants and candidates with disabilities, unless such accommodation would cause an undue hardship for F&G. If reasonable accommodation is needed to participate in the job application or interview process, please contact [email protected].
Join our employee-centric hybrid work environment: F&G Careers
About F&G
Since 1959, Fidelity & Guaranty Life Insurance Company (F&G) has offered annuity and life insurance products to those who are seeking security in retirement and protection during life’s unexpected events.
As a national Top Workplace1, an Iowa Top Workplace2 and a proud equal opportunity employer, F&G team members are empowered, collaborative, dynamic and authentic. We believe that by embracing these values, we will continue to build and strengthen the company while continuing to be a great place to work.
1Top Workplaces USA 2022 – 2023
2Des Moines Register Top Workplaces 2018 – 2022
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Skills Required
- Bachelor's degree
- 8+ years of relevant life underwriting experience
- 1+ year of experience with underwriting automation
- 1+ year of experience working with outsourced partners
- FLMI designation
- FALU designation
F&G Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about F&G and has not been reviewed or approved by F&G.
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Retirement Support — Retirement program features a strong 401(k) match that supports long‑term savings. Access to additional programs like an employee stock purchase plan further enhances wealth‑building options.
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Leave & Time Off Breadth — Time‑off offerings include paid time off, company holidays, and paid new‑parent leave for all parents. Added practices like Flex Fridays and volunteer time off broaden the overall leave experience.
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Healthcare Strength — Coverage spans medical, dental, vision, disability, life/AD&D, and an EAP, with specialized provisions such as gender affirming care and infertility support. Travel and lodging assistance for out‑of‑state care underscores the breadth of protections.
F&G Insights
What We Do
Established in 1959, F&G is headquartered in Des Moines, Iowa, and offers unique life insurance and annuity solutions to meet individual financial security needs through a national network of financial professionals. Our products have protected over 700,000 people across the United States. F&G is a company of individuals who believe in the power of partnerships, encourage innovation and creativity, and are transparent about decisions while delivering on their commitments. These values allow F&G to help you turn your aspirations into reality.
