Life Underwriter Jobs
Life Underwriter jobs are open across insurance carriers, reinsurance firms, and financial services companies, at every level from associate to senior and principal, with specializations in individual life, group life, and high-net-worth risk assessment. See the openings below and apply to the ones that match your experience.
Find Life Underwriter JobsOverview
Showing 5 of 12+ Life Underwriter jobs
Job Description Summary
As a Senior Life Insurance Underwriter, you will play a critical role in facilitating the sale of life insurance by applying sound, cost-effective underwriting principles. You will assess risk and determine appropriate premium classifications based on a comprehensive evaluation of applicants’ health, financial background, occupation, travel, and lifestyle.Job Description
Position Summary
As a Senior Life Insurance Underwriter , you will play a critical role in facilitating the sale of life insurance by applying sound, cost-effective underwriting principles. You will assess risk and determine appropriate premium classifications based on a comprehensive evaluation of applicants’ health, financial background, occupation, travel, and lifestyle.
Key Responsibilities
- Risk Assessment & Decision-Making
- Evaluate new business, reinstatements, and coverage change requests.
- Determine underwriting requirements and order necessary medical exams or assessments.
- Analyze applicant data from various sources including MIB, medical records, financial documents, and motor vehicle reports.
- Stakeholder Communication
- Collaborate with financial advisors, Insurance Planning Specialists, and Internal Sales Consultants.
- Clearly communicate underwriting decisions and provide guidance on potential reconsiderations.
- Process Management
- Balance workload, advisor expectations and the underwriting team for effective underwriting.
- Document and update underwriting systems with accurate and timely information.
- Refer cases to reinsurance or consult with the carrier’s Chief Underwriter or Medical Director as needed.
- Compliance & Documentation
- Ensure underwriting decisions align with internal policies, industry standards, and regulatory requirements.
- Draft correspondence including approval/decline letters, advisory memos, and confidential medical communications.
- Continuous Improvement
- Participate in the development and refinement of underwriting policies, procedures, and systems.
- Stay current on industry trends, legislation, and best practices.
Qualifications
- Experience & Education
- Minimum 5 years of life insurance underwriting experience.
- AALU designation required; actively pursuing FALU and/or FLMI preferred.
- Technical Expertise
- Strong knowledge of medical and financial underwriting principles.
- Proficient in interpreting underwriting manuals, legislation, and insurance product provisions.
- Skills & Competencies
- Exceptional analytical and risk assessment skills.
- Strong written and verbal communication abilities.
- Proven leadership and mentoring capabilities.
- Ability to manage complex cases and make sound, independent decisions.
Why Join Us?
- Work with a collaborative and experienced underwriting team.
- Opportunity to influence underwriting strategy and policy.
- Competitive compensation and benefits package.
- Support for continued professional development and certification
Education
Bachelor’s - Completed: Business Administration, Bachelor’s - Completed: Finance, Bachelor’s - Completed: MarketingWork Experience
General Experience - 13 months to 3 yearsCertifications
Securities Industry Essentials Exam (SIE) - Financial Industry Regulatory Authority (FINRA)Travel
Less than 25%Workstyle
RemoteThe total compensation for this position includes base salary or wages, and may include components such as additional compensation (cash or equity), discretionary bonuses, or commissions. This position is eligible for a benefits package that may include medical, dental, and vision; life insurance; critical illness insurance and accident insurance; disability benefits; retirement savings; paid time off (including vacation, holidays, and sick leave); and parental leave. Eligibility for benefits and specific offerings may vary based on position and employment status. To view more details of the benefits offered, visit Myrjbenefits.com.
We expect our associates at all levels to:
- Grow professionally and inspire others to do the same
- Work with and through others to achieve desired outcomes
- Make prompt, pragmatic choices and act with the client in mind
- Take ownership and hold themselves and others accountable for delivering results that matter
- Contribute to the continuous evolution of the firm
At Raymond James – as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates. When associates bring their best authentic selves, our organization, clients, and communities thrive. The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs.
#LI-JM1Job Description Summary
As a Senior Life Insurance Underwriter, you will play a critical role in facilitating the sale of life insurance by applying sound, cost-effective underwriting principles. You will assess risk and determine appropriate premium classifications based on a comprehensive evaluation of applicants’ health, financial background, occupation, travel, and lifestyle.Job Description
Position Summary
As a Senior Life Insurance Underwriter , you will play a critical role in facilitating the sale of life insurance by applying sound, cost-effective underwriting principles. You will assess risk and determine appropriate premium classifications based on a comprehensive evaluation of applicants’ health, financial background, occupation, travel, and lifestyle.
Key Responsibilities
- Risk Assessment & Decision-Making
- Evaluate new business, reinstatements, and coverage change requests.
- Determine underwriting requirements and order necessary medical exams or assessments.
- Analyze applicant data from various sources including MIB, medical records, financial documents, and motor vehicle reports.
- Stakeholder Communication
- Collaborate with financial advisors, Insurance Planning Specialists, and Internal Sales Consultants.
- Clearly communicate underwriting decisions and provide guidance on potential reconsiderations.
- Process Management
- Balance workload, advisor expectations and the underwriting team for effective underwriting.
- Document and update underwriting systems with accurate and timely information.
- Refer cases to reinsurance or consult with the carrier’s Chief Underwriter or Medical Director as needed.
- Compliance & Documentation
- Ensure underwriting decisions align with internal policies, industry standards, and regulatory requirements.
- Draft correspondence including approval/decline letters, advisory memos, and confidential medical communications.
- Continuous Improvement
- Participate in the development and refinement of underwriting policies, procedures, and systems.
- Stay current on industry trends, legislation, and best practices.
Qualifications
- Experience & Education
- Minimum 5 years of life insurance underwriting experience.
- AALU designation required; actively pursuing FALU and/or FLMI preferred.
- Technical Expertise
- Strong knowledge of medical and financial underwriting principles.
- Proficient in interpreting underwriting manuals, legislation, and insurance product provisions.
- Skills & Competencies
- Exceptional analytical and risk assessment skills.
- Strong written and verbal communication abilities.
- Proven leadership and mentoring capabilities.
- Ability to manage complex cases and make sound, independent decisions.
Why Join Us?
- Work with a collaborative and experienced underwriting team.
- Opportunity to influence underwriting strategy and policy.
- Competitive compensation and benefits package.
- Support for continued professional development and certification
Education
Bachelor’s - Completed: Business Administration, Bachelor’s - Completed: Finance, Bachelor’s - Completed: MarketingWork Experience
General Experience - 13 months to 3 yearsCertifications
Securities Industry Essentials Exam (SIE) - Financial Industry Regulatory Authority (FINRA)Travel
Less than 25%Workstyle
RemoteThe total compensation for this position includes base salary or wages, and may include components such as additional compensation (cash or equity), discretionary bonuses, or commissions. This position is eligible for a benefits package that may include medical, dental, and vision; life insurance; critical illness insurance and accident insurance; disability benefits; retirement savings; paid time off (including vacation, holidays, and sick leave); and parental leave. Eligibility for benefits and specific offerings may vary based on position and employment status. To view more details of the benefits offered, visit Myrjbenefits.com.
We expect our associates at all levels to:
- Grow professionally and inspire others to do the same
- Work with and through others to achieve desired outcomes
- Make prompt, pragmatic choices and act with the client in mind
- Take ownership and hold themselves and others accountable for delivering results that matter
- Contribute to the continuous evolution of the firm
At Raymond James – as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates. When associates bring their best authentic selves, our organization, clients, and communities thrive. The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs.
#LI-JM1Life Underwriter Jobs by Experience Level
See All 12 Life Underwriter Jobs
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Find Life Underwriter JobsLife Underwriter Job Market
Who's Hiring
Top Industries Hiring
- Insurance
What Employers Look For
The qualifications that appear most often in life underwriter jobs.
- Active life and health insurance license in one or more states
- Experience underwriting individual or group life insurance policies
- Proficiency with underwriting workstations or automated underwriting platforms
- Knowledge of medical and financial underwriting guidelines and impairment manuals
- FLMI, CLU, or other LOMA or American College designation preferred
- Strong analytical skills with experience interpreting medical records and attending physician statements
Tips for Your Life Underwriter Job Search
Tailor your resume to underwriting decisions
Highlight specific risk categories you've underwritten, the face amounts involved, and your approval-to-decline ratio where relevant. Hiring managers want evidence you can make sound decisions under pressure, not just that you processed applications.
Lead with your state licensure clearly
List your life and health insurance license states in a dedicated credentials section near the top of your resume. Recruiters filter fast, and a buried or missing license line will get your application skipped before anyone reads your experience.
Apply early to roles that fit
Migrate Mate lists life underwriter openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Target postings that name your mortality tables experience
Job postings that specify mortality tables, impairment manuals, or facultative reinsurance are signaling technical depth. Applying to those with matching language in your resume dramatically improves your callback rate compared to generic applications.
Prepare a case study from a declined or modified risk
Interviewers for life underwriter roles routinely ask you to walk through a complex case. Having a real example ready, with the medical or financial data you reviewed and your reasoning, shows competence faster than any rehearsed answer about process.
Negotiate using your book complexity, not just tenure
When discussing compensation, anchor to the complexity of risks you've cleared, such as jumbo cases or substandard impairments, rather than years on the job. Carriers pay more for underwriters who can handle cases others escalate.
Life Underwriter Jobs: Frequently Asked Questions
Which companies are hiring the most life underwriters?
The most active employers for life underwriters right now are Berkley, Chubb Insurance, and CFC, and the most openings are in Georgia, New York, and Montana, based on current listings on Migrate Mate as of November 2026. Demand tends to be strongest at large insurance carriers, reinsurers, and financial services firms with active individual or group life divisions.
How many life underwriter jobs are remote?
About 67% of life underwriter openings are fully remote or hybrid as of November 2026, reflecting how much of the work centers on reviewing digital files and making decisions within carrier platforms. Individual life underwriting and substandard risk review roles tend to have the highest remote availability, while group and employer-sponsored cases are more often tied to an office.
How do you become a life underwriter?
Start by earning a bachelor's degree in finance, business, or a related field, then obtain a life and health insurance license in your state. Entry-level underwriting analyst or associate roles let you build hands-on experience with mortality tables, impairment guidelines, and carrier systems. Earning a LOMA designation like FLMI or an industry credential like CLU strengthens your candidacy for senior positions.
Can I get hired as a life underwriter with little experience?
Yes, many carriers hire underwriting trainees or associates specifically to develop through structured programs. A background in nursing, medicine, or financial analysis is a strong substitute for direct underwriting experience, since those fields build the medical and risk assessment literacy that underwriting requires. Emphasizing any exposure to insurance products, claims review, or actuarial support work will help your application stand out.
What does the life underwriter interview process look like?
Most life underwriter interviews involve a phone screen with a recruiter, followed by one or two rounds with the underwriting manager and sometimes a team lead. You can expect case-based questions where you are given a risk scenario and asked to walk through your decision. Some carriers include a written or timed exercise using a sample application and medical abstract to assess how you apply underwriting guidelines under realistic conditions.
Where can I find and apply to life underwriter jobs?
You can find and apply to life underwriter jobs on Migrate Mate, which lists current openings from across the United States. Search the listings to find roles that fit your licensure, experience level, and specialty, then apply directly to each one that matches.
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