Senior Associate Underwriter

Job Requisition ID: 94106 Location Designation: Fully Remote Role Overview Reporting to a Managing Underwriter, the Senior Associate Underwriter is responsible for evaluating life insurance applications and determining whether applications should be approved, declined, or if additional information is required. This role is accountable for underwriting cases with a 2-Year Total Amount at Risk (TAAR) of $2.5 million or less and primarily handles applications that include Attending Physician Statements. The Senior Associate Underwriter applies underwriting guidelines, medical knowledge, and sound judgment to assess overall mortality risk and make informed recommendations on complex cases. This role works closely with agents, General Office personnel, and internal partners to support timely, accurate underwriting decisions while delivering strong customer experience. The position also contributes to underwriting projects, process improvements, and ongoing training initiatives. What You'll Do Evaluate life insurance applications and accurately classify mortality risk using medical and nonmedical information for cases with a 2-Year TAAR of up to $2.5 million, including cases involving Attending Physician Statements. Apply underwriting guidelines, medical knowledge, and professional judgment to assess complex risk factors and determine appropriate underwriting outcomes, including approvals, substandard ratings, or declines. Communicate underwriting requirements, application updates, reinsurance offers, reconsideration requests, and final decisions to agents and General Office personnel through both written and verbal interactions. Maintain a strong understanding of underwriting systems, product rules, medical terminology, and mortality factors to support accurate and efficient decision-making. Participate in training initiatives, workflow enhancements, best practice discussions, and cross-functional projects that improve underwriting processes and customer experience. What