高级承保顾问
Senior Underwriting Consultant
我们的工作影响数百万人的生活，你可以成为其中一员。
我们帮助客户抵御生活中的不确定性。无论你在公司哪个部门工作，你都将帮助客户在他们最需要的时候提供保障和安心。
我们正在寻找一位高级核保顾问加入我们的寿险核保团队，该职位为全远程办公。此职位适合一位经验丰富的核保师，能够独立评估复杂且保额较高的案件，同时作为专业领域专家和导师指导他人。
你将在平衡风险评估、客户体验和分销关系方面发挥关键作用，尤其是在独立/BGA市场中。
该职位的内部名称为高级核保专家。#LI-AP1 #ind123
员工福利：
我们致力于通过广泛的福利计划保护员工及其家庭的福祉。除了提供全面的健康、牙科和视力保险外，我们还通过心理健康福利和员工援助计划支持员工的心理健康。工作与生活的平衡非常重要，Protective 提供多种带薪休假福利（例如带薪年假、带薪育儿假、短期残疾假期和文化纪念日）。员工的财务健康同样重要。一些财务福利包括医疗账户的公司贡献、养老金计划以及有公司匹配的401(k)计划。所有员工都被鼓励通过参与 ProHealth Rewards——Protective 的平台，改善健康状况并获得现金奖励，以保护自身的整体福祉。
某些福利的资格可能根据职位不同而有所差异，具体以公司福利计划条款为准。
对于有残疾申请人的便利措施：
如果您因残疾需要在申请和招聘过程中获得便利，请发送邮件至 eric.hess@protective.com。此信息将被保密，并仅用于确定适当的便利措施。
请注意，上述邮箱仅用于有残疾的申请人请求便利措施。一般性的就业问题不应通过此渠道发送。
我们自豪地是一家平等机会雇主，致力于包容性，吸引、保留并发展多元化的人才队伍。
关键职责：
查看英文原文
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.
The internal job title for this role is Sr. UW Generalist. #LI-AP1 #ind123
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.
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