Underwriting Consultant

About the Underwriting Consultant Role at Guardian Life

As an Underwriting Consultant at Guardian Life, you will serve as a senior technical expert within the Life Underwriting practice for Financial Protection and Retirement Solutions. This role demands specialized expertise to adjudicate the most complex cases, troubleshoot escalations, and guide peers in leveraging modern underwriting technologies. You will ensure competitive, customer-centric, and compliant underwriting practices, aligning with Guardian Life's core values.

Key Responsibilities

• Serve as a top technical underwriter, adjudicating complex and high-value cases, reviewing appeals, and ensuring decisions meet guidelines.
• Provide expert judgment and guidance on escalated cases, troubleshooting complex issues for all staff levels.
• Apply deep reinsurance expertise to ensure appropriate use of automatic and facultative reinsurance and evaluate treaty requirements.
• Act as a trusted underwriting partner to Distribution and Field leadership, providing guidance and support to drive case placement.
• Maintain extensive knowledge of underwriting guidelines, risk assessment methodologies, and regulatory requirements for compliance.
• Champion the adoption and effective use of modern underwriting tools and platforms, integrating them 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 and share insights for prudent business decisions.
• Collaborate with the life underwriting team on transformation initiatives.

What You Bring

You are a recognized authority in life underwriting, adept at interpreting complex business issues and delivering sound, innovative solutions. You are comfortable adapting precedent and introducing approaches that improve efficiency and customer experience while maintaining favorable mortality results. You are also a trusted resource for peers and leaders, providing guidance on challenging cases and the adoption of digital tools.

• Specialized depth and breadth of expertise in individual life underwriting, including authority on complex and high dollar cases.
• Proven ability to adopt and champion technology-enabled solutions, leveraging automated underwriting platforms and data-driven tools.
• Demonstrated experience working within reinsurance frameworks, including interpreting treaty language and applying reinsurance rules.
• Familiarity with emerging technologies (Electronic Health Record (EHR), GenAI, wearable technology) and behavioral economics concepts.
• Familiarity with quality control programs (e.g., Random Holdouts (RHO), Post-Issue Audits (PIA)) and applying analytics.
• Strong problem-solving and decision-making skills, adaptable and innovative.
• Excellent communication and collaboration skills, capable of influencing peers and supporting leadership.

Reporting Structure & Location

As our Underwriting Consultant, you will report to our Underwriting Manager. This is a remote position with less than 10% travel required.

Compensation

The estimated base pay for this position ranges from $86,210.00 to $141,635.00. Actual salary will depend on the candidate's education, experience, knowledge, and abilities. This role may also be eligible for incentive compensation.

Our Commitment to You

At Guardian Life, we offer the support and flexibility to achieve your professional and personal goals. We provide opportunities for skill-building, leadership development, and community engagement, fostering a diverse environment with high ethical standards. We are committed to offering contemporary, supportive, flexible, and inclusive benefits.

Key skills/competency

• Life Underwriting
• Reinsurance Expertise
• Automated Underwriting
• Risk Assessment
• Compliance
• Data Analytics
• Problem-Solving
• Mentorship
• Emerging Technologies
• Collaboration