Guardian Life · 22 hours ago
Underwriting Consultant
United States
Full-time
Remote
Mid, Senior Level
$86K/yr - $142K/yrGuardian Life is seeking an Underwriting Consultant to serve as a senior technical expert within the Life Underwriting practice. This role involves adjudicating complex cases, guiding peers in modern underwriting technologies, and ensuring compliance with underwriting practices while delivering customer-centric solutions.
DentalFinancial ServicesHardwareInsuranceLife Insurance
No H1B
U.S. Citizen Only
Responsibilities
Serve as one of the top technical underwriter on the team, adjudicating the most complex and high-value cases, reviewing appeals, reference, reinsurance submissions, ensuring decisions align with underwriting guidelines, mortality, morbidity, and product expectations
Provide expert judgment and guidance on escalated cases, troubleshooting complex issues for all levels of staff and management
Apply deep reinsurance expertise to ensure appropriate use of automatic and facultative reinsurance, evaluate treaty requirements, and partner with reinsurance underwriters as needed
Serve as a trusted underwriting partner to Distribution and Field leadership, delivering clear guidance, responsive support, and consultative expertise to drive case placement, strengthen relationships, and ensure a seamless experience for producers and customers
Maintain deep knowledge of underwriting guidelines, risk assessment methodologies, and regulatory requirements, ensuring compliance and consistency
Champion the adoption and effective use of modern underwriting tools and platforms, ensuring integration into daily workflows
Troubleshoot complex underwriting issues across the underwriting team, applying innovative solutions
Mentor, train, and guide underwriters in advanced case handling and digital tool utilization
Monitor industry trends and share insights to inform prudent business decisions
Collaborate with the entirety of the life underwriting team (e.g., managers, transformation specialists, etc.) to ensure successful implementation of transformation initiatives
Qualification
Required
Specialized depth and breadth of expertise in individual life underwriting, including authority on complex and high dollar cases
Proven ability to adopt and champion technology-enabled solutions, leveraging automated underwriting platforms and data-driven tools
Demonstrated experience working within reinsurance frameworks, including interpreting treaty language, understanding retention limits, applying automatic and facultative reinsurance rules, and collaborating with reinsurance partners
Familiarity with emerging technologies (Electronic Health Record (EHR), GenAI, wearable technology) and behavioral economics concepts
Familiarity with quality control programs (e.g., Random Holdouts (RHO), Post-Issue Audits (PIA)) and applying analytics for continuous improvement
Strong problem-solving and decision-making skills, able to adapt precedent and develop innovative approaches
Excellent communication and collaboration skills, capable of influencing peers and supporting leadership
Benefits
Skill-building
Leadership development
Philanthropic opportunities
Supportive, flexible, and inclusive benefits and resources
Company
Guardian Life
Guardian Life Insurance Company of America (Guardian) is one of the country’s leading mutual insurers.
Founded in 1860
5001-10000 employees
Funding
Current Stage
Late StageTotal Funding
unknown2016-08-23Non Equity Assistance
Leadership Team
Andrew McMahon
Chairman and CEO
Michael Prestileo
Chief Strategy Officer
Recent News
2025-12-11
Company data provided by crunchbase