Underwriting Large Case Specialist (Remote)

Do you want to be the go-to expert for complex life underwriting decisions and help lead the departments understanding of complex financial underwriting? As the Underwriting Large Case Specialist , 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 our values of 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. You are The ideal candidate will be able to work autonomously and confidently, make underwriting decisions that provide the best offer within their assigned approval authority and protect mortality. They will also be able to transform conceptual thinking into competitive decisions that align with company philosophy and department guidelines. You have Minimum of 15-20 years of experience in individual life underwriting Proven track record handling large and complex cases for high-net-worth applicants Industry related education (FALU, FLMI, etc.) Specialized depth and breadth of expertise in individual life underwriting, including authority on complex and high dollar cases. Demonstrated experience working within reinsurance frameworks, including interpreting treaty language, understanding retention limits, applying automatic and facultative reinsurance rules, and collaborating with reinsurance partners. Expertise reviewing complex financial statements, tax returns, etc. Familiarity with emerging technologies (Electronic Health Record (EHR), GenAI, wearable technology) and behavioral economics concepts. Strong problem-solving and decision-making skills, able to adapt precedent and develop innovative approaches. Excellent communication and collaboration skills, capable of influencing peers and supporting leadership. You will Serve as the large case underwriting and financial specialist, adjudicating the most complex and high-value cases, reviewing appeals, reference, reinsurance submissions, 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. Communicate with field partners and home office personnel for the purpose of acquiring necessary information, solving problems, negotiating appeals, and conveying decisions in a polite, confident, and professional manner. Build and strengthen partnerships with distribution leaders, agencies, and field partners to ensure alignment and service excellence and understanding of adverse decisions 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, strengthen relationships, and ensure a seamless experience for producers and customers. 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 integration into daily workflows. Mentor, train, and guide underwriters in advanced financial underwriting. Monitor industry trends and share insights to inform prudent business decisions. Reporting Relationships As our Underwriting Large Case Specialist, you will report to our Head of Underwriting Risk Management Location This position is a remote position. Travel Less than 10% Travel required for this