Underwriting Large Case Specialist

Job not on LinkedIn

🔥 0 minutes ago

🇺🇸 United States – Remote

💵 $110.3k - $181.3k / year

⏰ Full Time

🟠 Senior

🔴 Lead

📋 Underwriter

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Guardian Life

WebsiteLinkedInAll Job Openings

5001 - 10000 employees

Founded 1860

🏥 Healthcare

💼 Consulting

🍽️ Food & Beverage

💰 Non Equity Assistance on 2016-08

Healthcare • Consulting • Food & Beverage

Guardian Life is a comprehensive insurance provider offering a wide range of insurance products and services. Founded 160 years ago, the company has grown to serve over 12 million people daily. Guardian Life specializes in various insurance plans, including life, disability, dental, vision, accident, critical illness, and hospital indemnity insurance. The company also provides workforce solutions such as group benefits, absence management, paid leave, and benefits technology. Furthermore, Guardian Life offers investment services, annuities, and retirement plans, supported by financial professionals. The firm is committed to social responsibility, equity, and inclusion, partnering with organizations to foster well-being and financial health. With a strong network and deep industry experience, Guardian Life continues to be a reliable partner in protecting individuals and families while preparing them for the future.

📋 Description

• Adjudicate the most complex and high-value life underwriting cases • Review appeals, reference, and reinsurance submissions • Ensure decisions align with underwriting guidelines, mortality, morbidity, and product expectations • Provide expert judgment and guidance on escalated cases • Troubleshoot complex issues for staff and management • Communicate with field partners and home office personnel to acquire information, solve problems, negotiate appeals, and convey decisions • Build partnerships with distribution leaders, agencies, and field partners • Apply reinsurance expertise to automatic and facultative reinsurance, treaty requirements, and reinsurance partnerships • Serve as a trusted underwriting partner to Distribution and Field leadership • Maintain knowledge of underwriting guidelines, risk assessment methodologies, and regulatory requirements • Champion adoption and use of modern underwriting tools and platforms • Mentor, train, and guide underwriters in advanced financial underwriting • Monitor industry trends and share insights • Report to the Head of Underwriting Risk Management • Travel less than 10%

🎯 Requirements

• Minimum of 15-20 years of experience in individual life underwriting • Proven track record handling large and complex cases for high-net-worth applicants • Industry related education (FALU, FLMI, etc.) • Specialized depth and breadth of expertise in individual life underwriting, including authority on complex and high dollar cases • Demonstrated experience working within reinsurance frameworks, including interpreting treaty language, understanding retention limits, applying automatic and facultative reinsurance rules, and collaborating with reinsurance partners • Expertise reviewing complex financial statements, tax returns, etc. • Familiarity with emerging technologies (Electronic Health Record (EHR), GenAI, wearable technology) and behavioral economics concepts • Strong problem-solving and decision-making skills • Excellent communication and collaboration skills • Must be legally authorized to work in the United States without employer sponsorship/support now or in the future

🏖️ Benefits

• Skill-building opportunities • Leadership development • Philanthropic opportunities • Contemporary, supportive, flexible, and inclusive benefits and resources • Benefits for full-time eligible employees