Why Join Guardian Life?

At Guardian Life, we're more than an insurance company—we're a purpose-driven organization committed to protecting what matters most. For over 160 years, we've championed 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. As a leader in life insurance and financial services, Guardian is at the forefront of underwriting transformation, leveraging AI, data analytics, and digital innovation to deliver seamless, customer-centric experiences.

Join our dynamic team in a remote role and shape the future of life underwriting. Work with cutting-edge technologies like GenAI, Electronic Health Records (EHR), and wearable tech while collaborating with cross-functional experts in data science, actuarial, and technology. Enjoy a supportive culture that values innovation, work-life balance, and professional growth. Guardian offers unlimited PTO, comprehensive health benefits, and opportunities to make a real impact on millions of lives.

Role Description

Do you want to shape the future of life underwriting and help Guardian deliver a seamless, digital-first experience? As an Underwriting Transformation Specialist, you will lead critical initiatives that modernize underwriting processes, integrate advanced technologies, and strengthen quality control programs. This role combines deep underwriting expertise with technology fluency and cross-functional collaboration to ensure our underwriting practices remain competitive, customer-centric, and compliant.

Reporting to the Underwriting Transformation Lead, you'll thrive at the intersection of underwriting, data, AI, and technology. Anticipate industry trends, interpret complex business issues, and recommend best practices that improve efficiency, risk governance, and customer outcomes. This is your chance to influence the next generation of insurance underwriting in a fully remote position across the United States.

Detailed Responsibilities

• Help oversee the creation, monitoring, and enhancement of life underwriting rules and AI systems for automated platforms, ensuring they evolve with emerging data sources and predictive analytics to maintain competitive advantage.
• Assist in managing the transition from legacy systems to a modern underwriting workbench, driving adoption, training, and continuous improvement to enable digital-first workflows.
• Conduct end-to-end impact tracing for opportunities and issues, mapping upstream inputs (e.g., data sources, assumptions, dependencies) and downstream outcomes (e.g., operational processes, customer experience, production underwriting impacts), and drive timely mitigation or value capture through cross-functional coordination and measurable action plans.
• Partner with the medical director and underwriting leadership to design a next-generation application for life and disability insurance that integrates automation and customer-centric features.
• Manage medical risk and vendor relationships to calibrate prescription history rules or data science models using advanced data insights and ensure protective value in a fluidless environment.
• Collaborate across the enterprise, including with technology, data science, and actuarial teams, to prioritize initiatives that leverage AI, predictive analytics, and actuarial expertise, ensuring underwriting remains scalable and competitive.
• Create documentation and procedures to establish and sustain a robust quality control program for fluidless underwriting (e.g., Random Holdouts (RHO), Post-Issue Audits (PIA)), leveraging analytics to identify trends and inform refinements.
• Assist in validating and selecting innovative underwriting tools and initiatives, including EHR, GenAI, wearable technology, and behavioral economics which will ensure readiness for integration and operational impact.
• Partner with data science teams to develop and refine AI models that enhance underwriting automation and predictive accuracy and work closely with actuarial teams to align risk assessment methodologies with enterprise standards.
• Support underwriting operations during peak periods by applying expertise to complex cases while championing digital tools and data-driven decision-making.

Required Skills

We're seeking a proactive, solutions-oriented professional with:

• Extensive individual life underwriting expertise
• Experience with quality control programs like RHO and PIA
• Proficiency in BI tools (PowerBI, Tableau, Excel)
• Knowledge of emerging tech (EHR, GenAI, wearables)
• Strong analytical and problem-solving skills
• Influence and stakeholder collaboration abilities
• Change leadership and innovation mindset
• Data governance and compliance expertise

Education & Experience

• Bachelor's degree in a related field (e.g., Actuarial Science, Business, Data Analytics) or equivalent experience
• 7+ years in individual life underwriting, with proven modernization initiatives
• Familiarity with insurance regulations, risk assessment, and digital transformation
• Experience leading cross-functional projects in fast-paced environments

Compensation Overview

Competitive base salary reflective of experience, plus performance incentives, 401(k) match, and more. Guardian values transparency and equity in pay.

Benefits

• Comprehensive medical, dental, and vision coverage
• 401(k) with generous company match
• Unlimited PTO and flexible remote work
• Professional development stipend and tuition reimbursement
• Wellness programs, including gym memberships and mental health support
• Parental leave and family benefits
• Employee stock purchase plan

Ready to transform underwriting at Guardian? Apply now and join a team that's courageously shaping the future of insurance!