What are the responsibilities and job description for the Life Underwriting Consultant position at Securian?
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:
Customer Service, Decision Making, External Communication, Internal Communications, Multitasking, Relationship ManagementThe estimated base pay range for this job is:
Pay may vary depending on job-related factors and individual experience, skills, knowledge, etc. More information on base pay and incentive pay (if applicable) can be discussed with a member of the Securian Financial Talent Acquisition team.
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:
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).
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Securian Financial Group, Inc. considers applicants for all positions without regard to race, color, creed, religion, national origin, sex, gender identity, sexual orientation, genetic information, age, marital or familial status, status with regard to public assistance, disability, or Veteran status. All applicants will be considered solely on the basis of their qualifications.
Salary : $73,700 - $136,800