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Protective has helped people achieve protection and security in their lives for over 117 years.
The Role
Evaluate medical, financial, and non-medical risk for individual life insurance cases (including impaired risk) with independent approval authority up to $3M. Manage an assigned caseload to meet production, quality, and time-service standards, communicate underwriting decisions to internal and external partners, support distribution channels (BGAs/independent agents), and collaborate with internal teams to place cases and enhance customer experience.
Summary Generated by Built In
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 an Underwriting Consultant to join our Life Underwriting team in a fully remote capacity. This role is designed for an experienced individual life underwriter who can independently evaluate complex cases, including impaired risk, while delivering timely, customer-focused underwriting decisions.
You will play an important role in assessing medical, financial, and non-medical risk, supporting service standards, and maintaining strong working relationships with internal partners and key distributors in the independent agent and brokerage marketplace.
Key Responsibilities
- Underwrite individual life insurance cases, including impaired risk, with an anticipated independent approval authority of $3 million.
- Analyze medical, financial, and non-medical information to make sound underwriting decisions within assigned authority.
- Evaluate requirements as they are received and determine appropriate risk classification in accordance with underwriting guidelines.
- Communicate underwriting decisions clearly and professionally to internal and external customers.
- Build and maintain effective working relationships with key distributors, independent agents, BGAs, and internal sales partners.
- Manage an assigned caseload while meeting production, quality, and time-service standards.
- Partner with internal teams to support business objectives, case placement, and a positive customer experience.
- Organize work effectively and deliver timely, accurate results in a fast-paced environment.
- Perform other job duties as assigned.
Qualifications
- Required Experience
- Bachelor’s degree or equivalent experience.
- Minimum of 6 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 coursework commensurate with experience
- Progress toward or completion of industry designations such as FALU, FLMI, CLU, or equivalent coursework
- Experience supporting distribution partners, including independent agents and BGAs
- Experience with larger face amount individual life cases
- Continued professional development aligned with life underwriting expertise
Core Competencies
- Strong analytical and risk assessment skills
- Ability to make sound underwriting decisions in a dynamic environment
- Strong communication and relationship management skills
- Customer-focused approach to underwriting and service delivery
- Ability to manage a sizeable caseload while maintaining quality and productivity
- Strong organization, prioritization, and time-management skills
- Ability to work effectively in a team environment
- Working knowledge of PC applications and underwriting systems
- Ability to thrive in a fast-paced environment
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 UW Generalist II.
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.
Skills Required
- Bachelor's degree or equivalent experience
- Minimum of 6 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
- Working knowledge of PC applications and underwriting systems
- Industry coursework commensurate with experience
- Progress toward or completion of industry designations such as FALU, FLMI, CLU, or equivalent
- Experience supporting distribution partners, including independent agents and BGAs
- Experience with larger face amount individual life cases
- Continued professional development aligned with life underwriting expertise
Protective Life Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Protective Life and has not been reviewed or approved by Protective Life.
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Retirement Support — A pension plan alongside a 401(k) with employer match is repeatedly highlighted and considered a standout feature. Feedback suggests these offerings provide strong long‑term financial security.
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Healthcare Strength — Medical, dental, vision, and prescription coverage are complemented by HSA/FSA options with company contributions and wellness incentives. Feedback suggests the breadth of health benefits is comprehensive.
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Leave & Time Off Breadth — Paid time off and holidays are frequently cited as positives, with parental leave and adoption assistance available. Feedback suggests time‑off policies support work‑life balance.
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The Company
What We Do
Protective Life Corporation (Protective) provides financial services through the production, distribution and administration of insurance and investment products throughout the United States. Protective traces its roots to its flagship company founded in 1907, Protective Life Insurance Company. Throughout its more than 110-year history, Protective’s growth and success can be largely attributed to its ongoing commitment to serving people and doing the right thing — for its employees, distributors and, most importantly, its customers. Protective’s home office is located in Birmingham, Alabama, and its 3,000+ employees work across the United States. As of June 30, 2020, Protective had assets of approximately $123 billion. Protective Life Corporation is a wholly owned subsidiary of Dai-ichi Life Holdings,
