Senior Underwriting Consultant

The work we do has an impact on millions of lives, and you can be a part of it. We help protect our customers against life’s uncertainties. Regardless of where you work within the company, you’ll be helping provide protection and peace of mind when our customers need it most.

We are seeking a Sr. Underwriting Consultant to join our Life Underwriting team in a fully remote capacity. This role is designed for a highly experienced underwriter who can independently evaluate complex, high-face-amount cases while serving as a subject matter expert and mentor to others.

You will play a critical role in balancing risk assessment, customer experience, and distribution relationships, particularly within the independent/BGA marketplace.

Key Responsibilities Underwrite complex individual life insurance cases, including impaired risk, with face amounts typically above $5M and authority up to $10M

Analyze medical, financial, and non-medical information to make sound, timely underwriting decisions

Provide second signature support and guidance to junior underwriters

Partner closely with internal sales and distribution teams to support business objectives

Build and maintain strong relationships with independent agents, BGAs, and key distribution partners

Manage a high-volume caseload while meeting service and quality standards

Communicate underwriting decisions clearly and effectively to internal and external stakeholders

Contribute to team development through mentoring, training, and knowledge sharing

Qualifications Required Experience

Bachelor’s degree or equivalent experience

Minimum of 8 years of life insurance underwriting experience

Proven ability to underwrite large and complex cases, including impaired risks

Experience working within the independent agent / brokerage (BGA) distribution channel

Demonstrated decision-making authority on higher face amounts and complex risk profiles

Preferred Credentials

Industry designations such as FALU, FLMI, CLU, or equivalent coursework

Continued professional development aligned with underwriting expertise

Core Competencies Strong analytical and risk assessment skills in a dynamic environment

Excellent communication and relationship management abilities

Customer-focused mindset with a commitment to service excellence

Ability to manage competing priorities and maintain productivity

Proven track record of quality decisions, productivity, and career progression

Why Join Us? Fully remote role with national exposure and impact

Opportunity to work on high-value, complex underwriting cases

Collaborative environment with strong partnership between underwriting and distribution

Career growth through advanced casework, mentorship, and leadership opportunities

The internal job title for this role is Sr. UW Generalist. 

Employee Benefits:   We aim to protect the wellbeing of our employees and their families with a broad benefits offering. In addition to offering comprehensive health, dental and vision insurance, we support emotional wellbeing through mental health benefits and an employee assistance program. Work/life balance is important and Protective offers a variety of paid time away benefits (e.g., paid time off, paid parental leave, short-term disability, and a cultural observance day). The financial health of our employees is just as important as physical and emotional health.  Some of the financial wellbeing benefits include contributions to healthcare accounts, a pension plan, and a 401(k) plan with Company matching. All employees are encouraged to protect their overall wellbeing by engaging in ProHealth Rewards, Protective’s platform to improve wellbeing while earning cash rewards.   

Eligibility for certain benefits may vary by position in accordance with the terms of the Company’s benefit plans.

Accommodations for Applicants with a Disability: If you require an accommodation to complete the application and recruitment process due to a disability, please email eric.hess@protective.com. This information will be held in confidence and used only to determine an appropriate accommodation for the application and recruitment process.

Please note that the above email is solely for individuals with disabilities requesting an accommodation.  General employment questions should not be sent through this process.

We are proud to be an equal opportunity employer committed to being inclusive and attracting, retaining, and growing an inclusive workforce.