Underwriting Consultant

Location: Remote - United States, United States

Why Join Guardian Life

At Guardian Life, we are more than an insurance company—we are a purpose-driven organization committed to protecting the financial futures of individuals, families, and businesses across America. For over 160 years, Guardian has stood as a beacon of trust, innovation, and customer-centric service in the life insurance industry. As a mutual company, we prioritize our policyholders above all, aligning our decisions with long-term value rather than short-term profits.

Joining Guardian means becoming part of a collaborative culture defined by our core values: We do the right thing, We believe people count, We courageously shape our future together, and We go above and beyond for the people we serve. Our Financial Protection and Retirement Solutions team is at the forefront of transforming life underwriting through cutting-edge technologies like AI, automated platforms, and data analytics. As an Underwriting Consultant, you'll lead this evolution, making complex decisions that impact lives while enjoying a fully remote work environment with less than 10% travel.

Guardian offers unparalleled professional growth, competitive compensation, comprehensive benefits, and the chance to work with industry leaders who champion innovation in life insurance underwriting. If you're a seasoned underwriting expert ready to shape the future of risk assessment, Guardian is your ideal career home.

Role Description

Do you want to be the go-to expert for complex life underwriting decisions and help lead the adoption of next-generation tools? As an Underwriting Consultant, you will serve as a senior technical expert within the Life Underwriting practice for Financial Protection and Retirement Solutions. You will apply specialized expertise to adjudicate the most complex cases, troubleshoot escalations, and guide peers in leveraging modern underwriting technologies. This role ensures competitive, customer-centric, and compliant underwriting practices while aligning with Guardian's values.

You'll report directly to our Underwriting Manager in a fully remote capacity, providing expert judgment on high-value cases, reinsurance strategies, and digital tool integration. This position is perfect for a recognized authority in individual life underwriting who thrives on solving intricate business challenges and driving efficiency through innovation.

Detailed Responsibilities

• Serve as one of the top technical underwriters on the team, adjudicating the most complex and high-value cases, reviewing appeals, reinsurance submissions, and 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 and strengthen relationships.
• 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 seamless integration into daily workflows.
• Troubleshoot complex underwriting issues across the team, applying innovative solutions.
• Mentor, train, and guide underwriters in advanced case handling and digital tool utilization.
• Monitor industry trends in life insurance underwriting and share insights to inform business decisions.
• Collaborate with the life underwriting team, including managers and transformation specialists, to implement initiatives successfully.

Required Skills

We seek candidates with specialized depth in life underwriting and a passion for technology-driven solutions.

Education & Experience

• Bachelor's degree in a related field or equivalent experience.
• 10+ years of progressive experience in individual life underwriting, with proven authority on complex, high-dollar cases.
• Extensive reinsurance experience, including treaty interpretation, retention limits, and facultative submissions.
• Demonstrated success adopting automated underwriting platforms, EHR, GenAI, wearables, and behavioral economics.
• Experience with quality control like RHO and PIA, plus analytics for improvement.

Compensation Overview

Salary Range: $86,210.00 - $141,635.00 annually. The salary for this position will be determined based on education, experience, knowledge, skills, and abilities of the successful candidate. This range reflects a good faith estimate for the primary remote location.

Benefits

Guardian Life offers a comprehensive benefits package designed to support your well-being and professional growth:

• Competitive base salary and performance-based incentives.
• 401(k) with company match and immediate vesting.
• Comprehensive health, dental, and vision insurance.
• Generous paid time off, including vacation, sick days, and holidays.
• Remote work flexibility with home office stipend.
• Professional development programs, tuition reimbursement, and certification support (e.g., FLMI, CLU).
• Employee assistance program, wellness initiatives, and parental leave.
• Volunteer time off and matching charitable contributions.

Apply today to join Guardian Life's Underwriting Consultant team and advance your career in life insurance underwriting!