Sr Underwriting Specialist

About this role

The   Long-Term   Care Underwriter   is responsible for   evaluating, classifying, and   rendering   appropriate risk   decisions on Long Term Care insurance applications   in accordance with   established underwriting guidelines, company standards, and service expectations. This position requires sound analytical judgment,   strong communication   skills, and the ability to manage cases effectively while supporting   professional   and responsive experience for field partners, clients, and internal stakeholders.  

• PLEASE NOTE: Candidates with Long Term Care underwriting experience or relevant individual insurance underwriting experience will be strongly preferred.  

    Job Summary   The   Long-Term   Care Underwriter develops and   maintains   effective working relationships with Financial Advisors, field partners, internal business partners, and clients. The incumbent evaluates Long Term Care insurance applications, assesses medical, functional, cognitive, occupational, and lifestyle risk factors, and makes   appropriate underwriting   determinations consistent with company guidelines, production standards, and service objectives.     Primary Duties & Responsibilities:   Field & Client Experience  

• Establishes and   maintains   credible, professional, and effective communication with field partners and clients, including responding to case inquiries, appeals, and placement-related questions.  

• Provides guidance and support to the Financial Network and Financial Representatives   regarding   case underwriting, risk assessment, and related underwriting considerations.  

• Reviews and responds to prescreen inquiries   in accordance with   established underwriting practices and service expectations.  

    Underwriting  

• Analyzes and appraises Long Term Care insurance applications; approves, classifies,   modifies , or declines applications based on established underwriting guidelines and sound risk judgment.  

• Independently review s   applications and   appl ies   Long Term Care underwriting standards, product knowledge, and risk selection principles with limited guidance as needed.  

• Evaluates medical, functional,   and   cognitive information to assess morbidity risk and determine the best appropriate offer.  

• Demonstrates ongoing learning and adaptability through the effective adoption of new underwriting practices, tools, and processes.  

• Underwrites   applications while   maintaining   expected morbidity outcomes, providing active case and requirement management, and delivering a customized service experience.  

• Communicates and negotiates with field partners to explain modified or declined underwriting decisions and support policy placement when   appropriate .  

• Applies sound medical , functional, and cognitive   underwriting assessment skills and   identifies   practical solutions to support policy placement when   appropriate .  

• Uses   the most effective available resources to obtain necessary information, including medical records, digital health data, direct contact with the applicant, and communication with third-party advisors as   appropriate .  

• Consults with peer reviewers, medical resources, and technical staff on complex cases, as needed.  

• Meets established quality, service, cycle time, and production expectations while   maintaining   underwriting integrity.  

• Resolves case-related issues and escalations, seeking guidance as appropriate based on case complexity and authority level.  

• Partners with Underwriting Support to   facilitate   effective case management and   timely   completion of underwriting requirements.  

    Cross-functional leadership  

• May serve as an underwriting representative on product, process, or operational improvement initiatives in collaboration with functional partners   participating   in   a dditional   projects as assigned.  

    Qualifications  

• Bachelor’s   degree or   an equivalent   combination of education and relevant experience is preferred.  

• Minimum of 1.5 years of traditional underwriting experience; Long Term Care underwriting experience is strongly preferred.  

• Strong analytical skills with the ability to make independent decisions, apply sound judgment, and interpret underwriting guidelines consistently.  

• Excellent written and verbal communication skills, including the ability to explain underwriting decisions clearly, handle confidential information appropriately, and exercise tact and diplomacy.  

• Proficiency with computer applications and relevant software platforms required to perform underwriting responsibilities.  

• Ability to work accurately while   maintaining   appropriate speed , flexibility, and productivity in both team-based and independent work environments.  

• Strong organizational skills, including the ability to   establish   priorities, manage competing responsibilities, and meet established deadlines.  

• Demonstrated agility and adaptability in managing multiple priorities within a changing work environment.  

Compensation Range:

Pay Range - Start: $70,320.00 Pay Range - End: $105,480.00 Geographic Specific Pay Structure:

Structure 110: $77,360.00 USD - $116,040.00 USD Structure 115:

$80,880.00 USD - $121,320.00 USD We believe in fairness and transparency. It’s why we share the salary range for most of our roles. However, final salaries are based on a number of factors, including the skills and experience of the candidate; the current market; location of the candidate; and other factors uncovered in the hiring process. The standard pay structure is listed but if you’re living in California, New York City or other eligible location, geographic specific pay structures, compensation and benefits could be applicable, click here to learn more.

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