H-1B Visa Underwriting Consultant Jobs
H-1B visa jobs for Underwriting Consultants are a strong fit for the specialty occupation standard: the role requires analytical expertise grounded in a bachelor's degree in finance, actuarial science, risk management, or a closely related field. Employers in insurance, reinsurance, and financial services actively file LCAs to bring in credentialed underwriting talent.
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Get Access To All JobsINTRODUCTION
As a Senior Underwriting Consultant - Internal Auditor, you will be part of the US Life Underwriting Risk Management and Audit team, providing independent and objective quality assurance of underwriting decisions and processes. This role helps ensure underwriting guidelines are applied consistently, risk is managed appropriately, and opportunities for continuous improvement and training are identified.
The ideal candidate brings deep life insurance underwriting expertise, strong critical thinking skills, and the ability to evaluate complex underwriting decisions while collaborating effectively with business partners and stakeholders.
The role is remote and can be based anywhere in the continental US.
Position Responsibilities:
- Conduct independent audits and quality reviews of life insurance underwriting decisions, documentation, and processes.
- Evaluate underwriting assessments against established guidelines, procedures, and best practices.
- Assess medical, non-medical, financial, compliance, retention, and reinsurance decisions for appropriateness and consistency.
- Identify trends, gaps, and opportunities for process improvement and underwriter development.
- Recommend training and educational initiatives based on audit findings.
- Participate actively in team discussions, providing objective feedback and professional opinions on audit results.
- Collaborate with Underwriting, Medical, and Risk Management teams.
- Contribute to innovation, continuous improvement, and the evolution of the underwriting audit program.
- Support targeted audits of specialized case types and emerging business initiatives.
Required Qualifications:
- Minimum 5 years of life insurance underwriting experience.
- Expert knowledge of medical, financial, and non-medical underwriting principles and practices.
- Strong understanding of life insurance risk assessment and underwriting guidelines.
- Strong analytical, critical thinking, and problem-solving skills.
- Excellent written, verbal, presentation, and interpersonal communication skills.
- Ability to work independently while managing multiple priorities.
- Strong attention to detail and organizational skills.
- Ability to influence and collaborate effectively with stakeholders at all levels.
Preferred Qualifications:
- Experience auditing, reviewing, or coaching underwriting decisions.
- Knowledge of reinsurance treaties, retention limits, and marketplace practices.
- Experience with compliance and quality assurance programs.
- Strong digital literacy and proficiency with Microsoft 365 applications, including Excel, Word, PowerPoint, and Teams; comfortable adopting new technology and leveraging digital tools to improve efficiency and reporting.
When you join our team:
- We’ll empower you to learn and grow the career you want.
- We’ll recognize and support you in a flexible environment where well-being and inclusion are more than just words.
- As part of our global team, we’ll support you in shaping the future you want to see.
LOCATION
USA, Massachusetts - Full Time Remote
WORKING ARRANGEMENT
Remote
SALARY RANGE
$92,475.00 USD - $160,290.00 USD
Employees also have the opportunity to participate in incentive programs and earn incentive compensation tied to business and individual performance. The actual salary will vary depending on local market conditions, geography and relevant job-related factors such as knowledge, skills, qualifications, experience, and education/training. If you are applying for this role outside of the primary location, please contact hr@manulife.com for the salary range for your location.
Manulife/John Hancock offers eligible employees a wide array of customizable benefits, including health, dental, mental health, vision, short- and long-term disability, life and AD&D insurance coverage, adoption/surrogacy and wellness benefits, and employee/family assistance plans. We also offer eligible employees various retirement savings plans (including pension/401(k) savings plans and a global share ownership plan with employer matching contributions) and financial education and counseling resources. Our generous paid time off program in the U.S. includes up to 11 paid holidays, 3 personal days, 150 hours of vacation, and 40 hours of sick time (or more where required by law) each year, and we offer the full range of statutory leaves of absence.
We use data and analytics technologies, such as artificial intelligence (AI), and automated processing tools, to analyze and process the information you provide to us or third parties in the application process. For more information, please refer to our personal information collection statement.
Know Your Rights I Family & Medical Leave I Employee Polygraph Protection I Right to Work I E-Verify
Company: John Hancock Life Insurance Company (U.S.A.)
Manulife is an Equal Opportunity Employer
At Manulife/John Hancock, we embrace our diversity. We strive to attract, develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals. We are committed to fair recruitment, retention, advancement and compensation, and we administer all of our practices and programs without discrimination on the basis of race, ancestry, place of origin, colour, ethnic origin, citizenship, religion or religious beliefs, creed, sex (including pregnancy and pregnancy-related conditions), sexual orientation, genetic characteristics, veteran status, gender identity, gender expression, age, marital status, family status, disability, or any other ground protected by applicable law.
It is our priority to remove barriers to provide equal access to employment. A Human Resources representative will work with applicants who request a reasonable accommodation during the application process. All information shared during the accommodation request process will be stored and used in a manner that is consistent with applicable laws and Manulife/John Hancock policies. To request a reasonable accommodation in the application process, contact hr@manulife.com.
INTRODUCTION
As a Senior Underwriting Consultant - Internal Auditor, you will be part of the US Life Underwriting Risk Management and Audit team, providing independent and objective quality assurance of underwriting decisions and processes. This role helps ensure underwriting guidelines are applied consistently, risk is managed appropriately, and opportunities for continuous improvement and training are identified.
The ideal candidate brings deep life insurance underwriting expertise, strong critical thinking skills, and the ability to evaluate complex underwriting decisions while collaborating effectively with business partners and stakeholders.
The role is remote and can be based anywhere in the continental US.
Position Responsibilities:
- Conduct independent audits and quality reviews of life insurance underwriting decisions, documentation, and processes.
- Evaluate underwriting assessments against established guidelines, procedures, and best practices.
- Assess medical, non-medical, financial, compliance, retention, and reinsurance decisions for appropriateness and consistency.
- Identify trends, gaps, and opportunities for process improvement and underwriter development.
- Recommend training and educational initiatives based on audit findings.
- Participate actively in team discussions, providing objective feedback and professional opinions on audit results.
- Collaborate with Underwriting, Medical, and Risk Management teams.
- Contribute to innovation, continuous improvement, and the evolution of the underwriting audit program.
- Support targeted audits of specialized case types and emerging business initiatives.
Required Qualifications:
- Minimum 5 years of life insurance underwriting experience.
- Expert knowledge of medical, financial, and non-medical underwriting principles and practices.
- Strong understanding of life insurance risk assessment and underwriting guidelines.
- Strong analytical, critical thinking, and problem-solving skills.
- Excellent written, verbal, presentation, and interpersonal communication skills.
- Ability to work independently while managing multiple priorities.
- Strong attention to detail and organizational skills.
- Ability to influence and collaborate effectively with stakeholders at all levels.
Preferred Qualifications:
- Experience auditing, reviewing, or coaching underwriting decisions.
- Knowledge of reinsurance treaties, retention limits, and marketplace practices.
- Experience with compliance and quality assurance programs.
- Strong digital literacy and proficiency with Microsoft 365 applications, including Excel, Word, PowerPoint, and Teams; comfortable adopting new technology and leveraging digital tools to improve efficiency and reporting.
When you join our team:
- We’ll empower you to learn and grow the career you want.
- We’ll recognize and support you in a flexible environment where well-being and inclusion are more than just words.
- As part of our global team, we’ll support you in shaping the future you want to see.
LOCATION
USA, Massachusetts - Full Time Remote
WORKING ARRANGEMENT
Remote
SALARY RANGE
$92,475.00 USD - $160,290.00 USD
Employees also have the opportunity to participate in incentive programs and earn incentive compensation tied to business and individual performance. The actual salary will vary depending on local market conditions, geography and relevant job-related factors such as knowledge, skills, qualifications, experience, and education/training. If you are applying for this role outside of the primary location, please contact hr@manulife.com for the salary range for your location.
Manulife/John Hancock offers eligible employees a wide array of customizable benefits, including health, dental, mental health, vision, short- and long-term disability, life and AD&D insurance coverage, adoption/surrogacy and wellness benefits, and employee/family assistance plans. We also offer eligible employees various retirement savings plans (including pension/401(k) savings plans and a global share ownership plan with employer matching contributions) and financial education and counseling resources. Our generous paid time off program in the U.S. includes up to 11 paid holidays, 3 personal days, 150 hours of vacation, and 40 hours of sick time (or more where required by law) each year, and we offer the full range of statutory leaves of absence.
We use data and analytics technologies, such as artificial intelligence (AI), and automated processing tools, to analyze and process the information you provide to us or third parties in the application process. For more information, please refer to our personal information collection statement.
Know Your Rights I Family & Medical Leave I Employee Polygraph Protection I Right to Work I E-Verify
Company: John Hancock Life Insurance Company (U.S.A.)
Manulife is an Equal Opportunity Employer
At Manulife/John Hancock, we embrace our diversity. We strive to attract, develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals. We are committed to fair recruitment, retention, advancement and compensation, and we administer all of our practices and programs without discrimination on the basis of race, ancestry, place of origin, colour, ethnic origin, citizenship, religion or religious beliefs, creed, sex (including pregnancy and pregnancy-related conditions), sexual orientation, genetic characteristics, veteran status, gender identity, gender expression, age, marital status, family status, disability, or any other ground protected by applicable law.
It is our priority to remove barriers to provide equal access to employment. A Human Resources representative will work with applicants who request a reasonable accommodation during the application process. All information shared during the accommodation request process will be stored and used in a manner that is consistent with applicable laws and Manulife/John Hancock policies. To request a reasonable accommodation in the application process, contact hr@manulife.com.
See all 70+ H-1B Visa Underwriting Consultant Jobs
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Get Access To All JobsTips for Finding H-1B Visa Sponsorship as an Underwriting Consultant
Align your credentials with specialty occupation standards
Pull the O*NET profile for Underwriting Consultants and confirm your degree field maps to the role's core analytical duties. USCIS scrutinizes whether your specific major directly relates to risk assessment and financial modeling, not just business generally.
Target employers with multi-state LCA filing history
Use the OFLC Wage Search to identify insurers and reinsurers that have certified LCAs for underwriting roles in your target city. Each worksite requires its own certified LCA, so employers already filing in multiple locations signal an established sponsorship process.
Find H-1B-sponsoring underwriting employers on Migrate Mate
Search Migrate Mate for Underwriting Consultant roles at employers verified to have H-1B visa LCA filing history. This gets you past the discovery bottleneck of cold-applying to companies with no documented sponsorship track record.
Request a specialty occupation support letter early
Ask your prospective employer to draft a detailed job duties letter before the I-129 is filed. USCIS frequently issues Requests for Evidence on underwriting roles, so a letter that links each duty to your specific degree field reduces adjudication delays.
Verify your worksite location before the LCA is certified
If your role involves client-site work or a different office than the employer's headquarters, confirm that address is listed on the LCA before DOL certifies it. A mismatch between certified worksite and actual work location creates a compliance gap your employer must correct.
Track your cap status against the H-1B selection rules
The H-1B cap and selection rules have changed recently, so don't rely on older timelines. Confirm with your employer's immigration counsel whether you need a new registration or qualify for a cap-exempt filing based on your current or prior status.
H-1B Visa Underwriting Consultant: Frequently Asked Questions
Does an Underwriting Consultant role qualify as an H-1B specialty occupation?
Yes, it typically qualifies. Underwriting Consultants perform complex risk analysis, financial modeling, and portfolio evaluation that require a bachelor's degree or higher in finance, actuarial science, risk management, economics, or a closely related field. USCIS evaluates the actual job duties, so your employer's offer letter should clearly connect each core responsibility to that degree requirement.
Which types of employers sponsor H-1B visas for Underwriting Consultants?
Insurance carriers, reinsurance firms, specialty risk management companies, and financial services firms are the most active H-1B sponsors for underwriting roles. Consulting firms that place underwriters with insurance clients also file LCAs. You can browse verified sponsoring employers on Migrate Mate to find roles matched to your specialty, whether that's property and casualty, life, or commercial lines.
How does prevailing wage affect an Underwriting Consultant's H-1B sponsorship?
Your employer must pay you at least the prevailing wage for your specific role, job zone, and worksite location, as determined by the DOL. Use the OFLC Wage Search to look up the wage levels for underwriting roles in your city before negotiating an offer. Level I and Level II wages apply to roles with less supervisory responsibility, while Level III and IV reflect senior consulting work.
Can an Underwriting Consultant work for multiple clients on one H-1B?
Only if your employer is the petitioner and each client worksite has a separately certified LCA listing that address. If you're a consultant placed at different insurer locations, your employer must file a new LCA for each worksite before you begin work there. Working at an uncertified location is a compliance violation for the sponsoring employer, not just an administrative gap.
What happens to H-1B status if an Underwriting Consultant is laid off?
You enter a 60-day grace period after your last day, during which you can find a new H-1B sponsor, change to another visa status, or depart the U.S. Your new employer must file an H-1B transfer petition before the grace period ends to maintain your status. H-1B status is employer-specific and does not carry over automatically, so acting quickly within that window is essential.