The Underwriting Consultant is a senior-level underwriting professional responsible for evaluating and classifying complex, high-face-amount individual life insurance risks. In this role, you'll exercise advanced technical expertise and independent judgment while serving as a key resource within the Underwriting department. You'll influence sound risk selection decisions, support underwriting quality, and collaborate with internal and external partners to deliver exceptional service and business results.
Your role and impact
Here's a glimpse of your responsibilities and the meaningful impact you'll create as the Underwriting Consultant:
- Independently evaluate and classify complex life insurance applications in accordance with company underwriting guidelines, mortality pricing assumptions, reinsurance agreements, and risk management practices.
- Assess medical, financial, occupational, avocational, foreign travel, residency, and other mortality risks while making well-supported underwriting decisions.
- Manage large and complex cases with underwriting authority of $5 million or greater without co-signature requirements.
- Serve as a senior technical resource by providing second-level reviews and co-signature support on cases that exceed other underwriters' authority limits or require advanced technical review.
- Partner with producers, distribution partners, internal sales teams, and Home Office associates to explain underwriting decisions, adverse actions, and financial determinations.
- Mentor and support other members of the Underwriting department through technical guidance and expertise.
What's in it for you
- Competitive pay: Fair compensation for your hard work.
- Healthcare coverage: Comprehensive medical, dental, and vision from day one.
- Life insurance: Company-paid coverage for you and your loved ones.
- 401(k) plan: Matching contributions to help secure your financial future.
- Family support: Paid parental leave and reimbursement for adoption and surrogacy expenses.
- Work-life balance: Flexible time-off policy to recharge and pursue passions.
- Dress for your day: Express your style comfortably at work.
- Inclusion and Culture: A respectful environment that values unique contributions.
- Flexible work options: Remote, hybrid, and onsite opportunities at various locations across the U.S. for better work-life integration.
- Well-being focus: Programs to support a healthy balance between work and home life.
- Community connections: Build strong relationships through virtual and in-person interactions, with resources for your growth.
What sets you up for success
- Bachelor's degree or equivalent combination of education and relevant professional experience preferred.
- FALU and FLMI certifications preferred.
- Minimum 8 years of progressively responsible individual life insurance underwriting experience, including complex medical and financial underwriting.
- Advanced knowledge of life insurance underwriting principles, human physiology, medical impairments, financial underwriting, occupations, avocations, and reinsurance practices.
- Strong understanding of reinsurance concepts, including retention, automatic binding limits, jumbo limits, and facultative underwriting.
- Excellent analytical, documentation, and decision-making skills.
- Ability to communicate complex underwriting decisions effectively to both technical and non-technical audiences.
- Demonstrated ability to serve as a technical resource and mentor within an underwriting team.
Skills Required
- Minimum 8 years of progressively responsible individual life insurance underwriting experience, including complex medical and financial underwriting
- Advanced knowledge of life insurance underwriting principles, human physiology, medical impairments, financial underwriting, occupations, avocations, and reinsurance practices
- Strong understanding of reinsurance concepts, including retention, automatic binding limits, jumbo limits, and facultative underwriting
- Excellent analytical, documentation, and decision-making skills
- Ability to communicate complex underwriting decisions effectively to technical and non-technical audiences
- Demonstrated ability to serve as a technical resource and mentor within an underwriting team
- Bachelor's degree or equivalent combination of education and relevant professional experience
- FALU certification
- FLMI certification
What We Do
Constellation® is a growing portfolio of medical professional liability insurance and partner companies including MMIC, UMIA, Arkansas Mutual and MMIC RRG. We were formed in response to the ever-changing realities of health care and dedicated to reducing risk and supporting physicians and care teams, thereby improving business results. We help medical professionals attain their dream to help, heal, and serve. Our strategy is based on the fundamental belief that together we are stronger, that by sharing resources and expertise, we can help physicians, health care teams and health care institutions reduce risk, improve care and increase profitability. The best part is, what we do is good for everybody. This is how we arrived at our brand strategy, ”Together for the common good.” By working together, we all become part of something bigger than ourselves." Our insurance protects something we can all get behind: Your commitment to provide the very best in care For decades we have been backing the great work of physicians, clinics, hospitals, health systems and senior living communities throughout the country. And, we're mutual—our policyholders are owners, and their influence and expertise help guide the decisions that have made us financially strong for more than three decades. And, our policies come with brainpower—our responsive team is here to answer your questions, help you manage unanticipated situations, and keep you current in the ever-changing health care industry. We offer webinars, assessments and events, plus data analytics and action plans—all designed to help you minimize your risks and improve patient safety practices, using data-informed, customized action plans.
