Senior Associate, Morbidity Underwriting Risk & Quality Solutions
$100,000–$143,000 year
Remote
Job Summary
Conduct post-decision reviews of Long Term Care and Individual Disability Insurance underwriting cases to assess accuracy, consistency, and alignment with morbidity guidelines. Own monitoring and analysis of quality trends across products and cohorts to identify decisioning inconsistencies, leakage, or emerging risks. Develop dashboards and reporting to track quality metrics, then drive recommendations for training needs, guideline updates, and system enhancements. Collaborate with underwriting leadership and modernization teams to translate insights into actionable improvements and facilitate stakeholder alignment on root causes and solutions. Ensure adherence to underwriting guidelines, regulatory requirements, and internal standards while serving as a subject matter expert in morbidity underwriting quality.
Required Qualifications
- 5–10+ years of experience in life/health, LTC, or IDI underwriting with strong morbidity expertise
- Deep understanding of underwriting guidelines, risk assessment, and decision frameworks
- Experience reviewing complex underwriting decisions and identifying inconsistencies or risk patterns
- Strong analytical skills with ability to synthesize data and generate actionable insights
- Experience with reporting and data visualization tools (e.g., Excel, Qlik, Tableau, Power BI, SQL)
- Proven ability to influence cross-functional stakeholders without direct authority
- Strong written and verbal communication skills
- FINRA licensed and/or FINRA Associated Person pre-hire fingerprinting
Desired Qualifications
- Experience in underwriting quality control, audit, or second-line review functions
- Experience supporting underwriting automation, models, or rules engines
- Experience using AI tools or willingness to research and build AI tools for efficiency of reviews
- Industry designations (FLMI, FALU, DIA, DIF LTCP.)
- Experience working in Agile or product-based environments
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