**Position Summary** As a **Senior Life Insurance Underwriter** , you will play a critical role in facilitating the sale of life insurance by applying sound, cost-effective underwriting principles. You will assess risk and determine appropriate premium classifications based on a comprehensive evaluation of applicants’ health, financial background, occupation, travel, and lifestyle. **Key Responsibilities** + **Risk Assessment & Decision-Making** + Evaluate new business, reinstatements, and coverage change requests. + Determine underwriting requirements and order necessary medical exams or assessments. + Analyze applicant data from various sources including MIB, medical records, financial documents, and motor vehicle reports. + **Stakeholder Communication** + Collaborate with financial advisors, Insurance Planning Specialists, and Internal Sales Consultants. + Clearly communicate underwriting decisions and provide guidance on potential reconsiderations. + **Process Management** + Balance workload, advisor expectations and the underwriting team for effective underwriting. + Document and update underwriting systems with accurate and timely information. + Refer cases to reinsurance or consult with the carrier’s Chief Underwriter or Medical Director as needed. + **Compliance & Documentation** + Ensure underwriting decisions align with internal policies, industry standards, and regulatory requirements. + Draft correspondence including approval/decline letters, advisory memos, and confidential medical communications. + **Continuous Improvement** + Participate in the development and refinement of underwriting policies, procedures, and systems. + Stay current on industry trends, legislation, and best practices. **Qualifications** + **Experience & Education** + Minimum 5 years of life insurance underwriting experience. + AALU designation required; actively pursuing FALU and/or FLMI preferred. + **Technical Expertise** + Strong knowledge of medical and financial underwriting principles. + Proficient in interpreting underwriting manuals, legislation, and insurance product provisions. + **Skills & Competencies** + Exceptional analytical and risk assessment skills. + Strong written and verbal communication abilities. + Proven leadership and mentoring capabilities. + Ability to manage complex cases and make sound, independent decisions. **Why Join Us?** + Work with a collaborative and experienced underwriting team. + Opportunity to influence underwriting strategy and policy. + Competitive compensation and benefits package. + Support for continued professional development and certification