Epic Health Solutions · 2 months ago
Underwriting Director
Miami, FL, US
Full-time
Onsite
Director/Executive
8+ years expVUMI Canada, Inc. is a company focused on life insurance and investment-linked products. The Director of Underwriting will lead the underwriting function, ensuring sound risk assessment and compliance while managing a high-performing underwriting team.
Health CareMedicalWellness
Responsibilities
Lead the underwriting strategy, policies, and procedures for life and investment-linked insurance products across individual and/or group lines of business
Define, maintain, and enforce underwriting guidelines and standards to ensure consistent application across all underwriters and product lines
Oversee the daily operations of the underwriting team, ensuring timely and accurate case assessments in accordance with company guidelines and regulatory standards
Build, lead, and develop the underwriting team, including recruitment, performance management, coaching, and succession planning
Collaborate with product development and actuarial teams to evaluate underwriting implications of new products and riders, pricing assumptions, and target markets
Continuously assess and update underwriting guidelines, risk tolerance levels, and reinsurance arrangements to align with emerging trends and business goals
Act as a key decision-maker or escalation point for large, complex, or high-risk cases, balancing risk exposure with customer experience and business needs
Partner with distribution and sales teams to support case placement, clarify underwriting decisions, and improve advisor experience
Lead the evaluation and implementation of underwriting technology solutions, including automated and accelerated underwriting tools
Develop and maintain relationships with reinsurers, ensuring effective use of facultative support and treaty structures
Provide training, mentorship, and development opportunities to underwriters, fostering a high-performance and learning-focused culture
Monitor underwriting performance metrics and quality assurance results; identify and address areas for improvement
Ensure compliance with applicable laws, regulations, and internal policies, and support internal/external audits as needed
Stay current on industry trends, regulatory changes, and medical advances that impact underwriting philosophy or guidelines
Contribute to strategic planning, forecasting, and risk management within the Life & Investment Division
Participate in cross-functional projects, including digital transformation initiatives, product launches, and operational process improvements
Represent the underwriting function in internal committees, leadership meetings, and cross-departmental collaborations
Qualification
Required
Bachelor's degree in Business, Insurance, Health Sciences, or a related field; professional underwriting designations (FALU, FLMI) strongly preferred
8–10 years of progressive underwriting experience, including at least 3–5 years in a leadership or managerial role
Deep knowledge of life and investment-linked insurance products, including medical, financial, and risk-based underwriting
Experience managing underwriting teams and enforcing underwriting guidelines
Proven ability to implement technology-driven underwriting solutions and digital workflows
Strong analytical, decision-making, and problem-solving capabilities
Excellent interpersonal and communication skills, including the ability to explain complex underwriting rationales to non-technical stakeholders
Preferred
Familiarity with international life insurance and reinsurance markets (e.g., Latin America, Caribbean, Europe) preferred
Experience with treaty negotiation, facultative case handling, and cross-border regulatory environments desirable
Experience implementing and monitoring adherence to underwriting manuals, rules, and governance frameworks is strongly preferred
Company
Epic Health Solutions
Epic Health Solutions provides network solutions, healthcare management, and medical assistance for international clients.
201-500 employees
Funding
Current Stage
Growth StageCompany data provided by crunchbase