Life Underwriting Sr Specialist Remote

Life Insurance Underwriting Role

Life Insurance Signature / Authority Limits 1M Signature / 5M Authority. PLEASE NOTE : ONLY APPLICANTS WITH INDIVIDUAL LIFE UNDERWRITING EXPERIENCE WILL BE CONSIDERED FOR THIS ROLE.

Builds relationships with Financial Advisors and internal partners. Develops the skills necessary to successfully underwrite Life, Disability, and / or Long-term Care insurance policies in an inclusive and fast-paced environment ensuring all quality, service and production goals are met.

Primary Duties & Responsibilities :

• Field & Client Experience : Responsible for credible and effective relations and communication with field and customer to include responding to case appeals / inquiries and assists with placing business. Provides guidance and assistance to the Northwestern Mutual Financial Network and Financial Representatives regarding case underwriting and risk appraisal. Responsible for prescreen inquiries.
• Underwriting : Responsible for the analysis and appraisal of a broad range of insurance applications; approves, classifies, or declines applications for various ages and policy amounts with guidance, as needed. Independently reviews applications and adheres to underwriting standards and demonstrates an intermediate level of experience with NM product types and changes. Develops and demonstrates change agility while maintaining mortality and morbidity expectations. Demonstrates continuous learning through the early adoption of new ways of underwriting. Develops proficiency with Reinsurance programs and determining where to best place a case. Underwrites applications, maintaining industry-leading mortality and morbidity giving the best possible offer that can be made. Provides active case and requirement management and provides customized service with guidance. Communicates & negotiates with Field Partners to explain modified or declined decisions & assist in policy placement. Develops proficiency in financial, medical, and lay underwriting assessments and provides innovations solutions to keep Northwestern Mutual as the choice of our customers. Actively utilizes the most effective means to obtain the necessary information, including digital health data, Internet searches, direct contact with the insured, and communication with third party advisors (Accountants, Attorneys, etc.) with limited guidance. Discusses cases with peer reviewers with medical and technical staff, as needed. Understands and meets all quality, service, and production goals. Solves issues & escalations, with guidance as needed. Partners with Underwriting Support for case management.
• Cross-functional Leadership : May serve as underwriting representative for improvement in product process w / collaboration w / functional partners. Participates in other projects as needed.

Qualifications : A bachelor's degree or equivalent combination of education.