Consultant II, Underwriting Life (Life New Business) REMOTE
$108,000–$200,000 year
RemoteUnited States
Job Summary
Underwrite complex life insurance applications up to $10,000,000 for life and $1,000,000 for morbidity, interpreting electrocardiogram tracings and authorizing medical examinations, blood profiles, and physician reports. Evaluate financial data to establish insurable interest, negotiate reinsurance terms, and make independent risk-based decisions on unusual or sophisticated cases. Mentor less experienced staff, lead special projects with minimal direction, and consult with the Medical Director and Chief Underwriter on challenging assignments. Coordinate with field partners to understand client needs and present customized solutions while maintaining strict confidentiality.
Required Qualifications
- Undergraduate studies in medical related discipline, marketing, insurance, risk management, economics, finance or business management
- Ten years life underwriting experience
- Obtainment of AALU designation
- Participation in, or attainment of, professional/technical studies or designation such as the Chartered Life Underwriter (CLU) and Fellow of Life Management Institute (FLMI)
- EKG Certified
- Very comfortable negotiating offers and calling out on offers that are other than applied for to explain reasons to the advisor or sales leader
- Proven knowledge of products and reinsurance - is comfortable and has relationships with our facultative reinsurance partners
- Can reach terms on reinsurance decisions
- Actively involved in industry meetings/conferences and our CE program
- Excellent verbal and written communication skills for internal/external contacts
- Strong collaboration and presentation skills in individual or group settings
- Ability to make decisions on highly complex issues and work with minimal direction
- Proficiency in conflict resolution
- Agile and adaptable
- Advanced ability to handle ambiguity in a flexible and responsive manner
- Ability to coach, train and mentor other underwriters
- Advanced analytical and critical thinking skills
- Able to analyze highly complex insurance risks to assess acceptability including policy language, alternative rating plans, methodologies, and reinsurance
- Ability to communicate difficult concepts and influence others to adopt a different point view
- Excellent judgment and creative problem-solving skills including negotiation and conflict resolution skills
- Proven track record of reaching a solution in situations where there may be multiple options
- Able to make difficult decisions and suggest alternative solutions
- Consistently draws on appropriate perspectives and resources
- Demonstrates strong resilience and supports others through change
- Regularly and consistently demonstrates the Nationwide Values
- Non-standard hours and some travel may be required
- This position could be filled within any of the lower 48 U.S. states
Desired Qualifications
- EKG Certified preferred
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