Individual Life Underwriter

Job Description:

Position Description: Fully Remote, 4-6+ Month long Consulting position, Equipment provided, $40-45.00 Per hour

Our client is hiring two Life Underwriting Consultants for a consulting position that will last 6+ months, to help maintain underwriting capacity as our client transitions to an accelerated underwriting model launching in approximately 6 months. This is an independent, non-managerial opportunity where you’ll review and assess individual life insurance applications, evaluate medical and non-medical risk factors, classify risks within delegated authority, and document underwriting rationale—supporting service-level objectives during a high-volume period. Part-time is welcome.

Responsibilities:

• Review and assess individual life insurance applications for completeness and risk acceptability

• Evaluate medical, financial, and non-medical risk factors using approved underwriting manuals and rules

• Classify risks and render underwriting decisions within authorized limits

• Document underwriting rationale clearly and consistently in underwriting systems

• Identify requirements needed to reach underwriting decisions

• Adhere to defined turnaround times and underwriting service-level agreements

• Escalate cases exceeding delegated authority per established protocols

• Comply with all regulatory, compliance, and data security requirements

Requirements:

• Minimum 5 years of individual life underwriting experience (targeting 10+ years)
• Experience underwriting medically underwritten life insurance products
• Strong knowledge of medical impairments, mortality risk, and financial underwriting
• Strong ability to read/review and interpret medical records (complex records required)
• Ability to apply underwriting guidelines consistently and defensibly
• Experience working in electronic underwriting and policy administration systems
• Ability to independently handle complex medical histories (PTSD, chronic pain, substance abuse) common in the military market
• Experience underwriting Whole Life and Term policies
• Experience rating up to 250–300 debits (not limited to table four)
• Comfortable with face amounts targeting $3M (minimum $2M)

PREFERRED REQUIRMENTS

• Mutual/fraternal carrier underwriting background
• Familiarity with accelerated / evidence-based underwriting models
• Designations: CLU, FALU, FLMI

Pay Range:

The anticipated pay range for this position is $40-45 per hour, based on experience

We understand that salary is an important factor in a job search, and we encourage you to apply even if you feel that your desired compensation may fall outside of the listed range. The final pay for this position is determined based on several factors including but not limited to, relevant experience, skills and certifications, education and training, geographic location, market conditions, and internal equity.

We are committed to finding the right candidate for this role and are open to discussing how your unique qualifications align with our needs.

Benefits:

Our comprehensive benefits package includes:

• Medical insurance
• Dental insurance
• Vision insurance
• 401(k) retirement savings plan

Contact:

Morgan Falck

Life Insurance Recruiter

Equal Opportunity Employer:

The Jacobson Group is committed to fostering an inclusive and equitable workplace that reflects the diverse communities we serve. We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status or any other protected characteristic as defined by applicable law. We believe that diversity of thought, background and experience strengthens our team and drives innovation. All employment decisions are based on qualifications, merit and business needs.

If you require a reasonable accommodation to complete the application process or participate in an interview, please contact us at HR@jacobsongroup.com or +1 (800) 466-1578 to make a request.

Refer a Colleague:

Do you know someone who would be interested in this project? Submit your referral directly by emailing the Jacobson contact listed above or submitting them through this form. If your referral is hired for a contract assignment and meets all other eligibility criteria, you will receive a referral bonus!