Senior Life Underwriting Consultant

🔥 0 minutes ago

❄️ Minnesota – Remote

❄️ Minnesota – Remote

💵 $91.7k - $169.6k / year

⏰ Full Time

🟠 Senior

📋 Underwriter

👻 Ghost score 1%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Securian Financial

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

💼 Consulting

🏥 Healthcare

💸 Finance

Consulting • Healthcare • Finance

Securian Financial is a financial services company with over 140 years of experience in providing innovative insurance and retirement solutions. They specialize in a range of services including life insurance, annuities, loan protection, financial protection, long-term care, and supplemental health. Securian Financial partners with employers, financial professionals, and affinity groups to bring peace of mind to over 22 million customers in the United States and Canada by helping them build secure financial futures.

📋 Description

• Evaluate life insurance applications within assigned authority by analyzing medical, financial, and lifestyle risk factors • Determine application acceptability and appropriate classification • 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 rationale on cases outside authority or of higher complexity • Order necessary and appropriate requirements to assess risk efficiently • Manage workload to meet or exceed productivity and quality expectations • Approve applications up to established authority limits, including over $3M for all ages and ratings • Collaborate with reinsurers on rated cases and large case reviews • Build and maintain relationships with brokers, advisors, and internal partners • Communicate underwriting decisions clearly, professionally, and empathetically • Identify opportunities to improve underwriting processes and customer experience • Contribute to departmental initiatives and special projects • Provide insights and solutions to management regarding team, workflow, and operational challenges

🎯 Requirements

• Bachelor’s degree or equivalent experience • Minimum of 7 years of life underwriting experience • Demonstrated expertise in substandard underwriting • Demonstrated expertise in large case 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 • Trusted advisor to the field and internal partners • Strong collaborator who drives both business outcomes and team development • Consistently delivers high-quality decisions while supporting a positive customer and advisor experience • Industry designations (FLMI, FALU, CLU) preferred

🏖️ Benefits

• Flexible paid time off (PTO), with additional PTO based on tenure • Parental, caregiver, bereavement, and military leave • Nine company-paid holidays • Company-funded pension plan • 401(k) retirement plan with company contribution tied to performance, up to 10% of eligible earnings, with a 5% target • Medical, dental, and vision coverage from the first day of employment for associates and eligible family members • Volunteer paid time off • Company-sponsored volunteer events • Dollar-for-dollar matching gift program • Associate Resource Groups • Professional growth, well-being, and work-life balance benefits