Remote Underwriting Consultant Jobs
Remote underwriting consultant jobs are open across the U.S. at remote-first insurers, distributed financial services firms, and specialty risk carriers that have moved underwriting workflows fully online. Employers hiring remotely right now include Corebridge Financial, Builders Mutual Insurance, and Alliant Insurance Services. See the openings below and apply to the ones that match your experience.
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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.
#LI-JH
#Remote
The role being advertised is an existing vacancy.
About Manulife and John Hancock
Manulife Financial Corporation is a leading international financial services provider, helping people make their decisions easier and lives better. To learn more about us, visit https://www.manulife.com/en/about/our-story.html.
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.
Referenced Salary Location
USA, Massachusetts - Full Time RemoteWorking Arrangement
Salary range is expected to be between
$92,475.00 USD - $160,290.00 USDEmployees 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.)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.
#LI-JH
#Remote
The role being advertised is an existing vacancy.
About Manulife and John Hancock
Manulife Financial Corporation is a leading international financial services provider, helping people make their decisions easier and lives better. To learn more about us, visit https://www.manulife.com/en/about/our-story.html.
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.
Referenced Salary Location
USA, Massachusetts - Full Time RemoteWorking Arrangement
Salary range is expected to be between
$92,475.00 USD - $160,290.00 USDEmployees 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.)See All 47 Remote Underwriting Consultant Jobs
Find roles that match your experience and apply in just a few clicks.
Find JobsRemote Underwriting Consultant Job Market
Who's Hiring
- Corebridge Financial34
- Builders Mutual Insurance2
- Alliant Insurance Services2
- Nationwide Mutual Insurance Company2
- Allianz1
Top Industries Hiring
- Insurance33
- Banking & Financial Services11
- Investment & Asset Management11
What Employers Look For
The qualifications that appear most often in remote underwriting consultant jobs.
- Three to five years of underwriting experience in a relevant line of business
- Bachelor's degree in business, finance, risk management, or a related field
- Proficiency with underwriting platforms, rating tools, and policy management systems
- CPCU, AU, or comparable insurance designation preferred or required
- Ability to analyze financial statements, loss runs, and exposure data
- Strong written communication skills for coverage recommendations and declination letters
Tips for Your Remote Underwriting Consultant Job Search
Prove your async decision-making ability
Remote underwriting employers want to see that you can assess risk, document your reasoning, and move submissions forward without real-time input. Include examples in your resume and cover letter of complex cases you resolved independently, showing clear written rationale for each decision.
Get fluent in remote underwriting platforms
Distributed underwriting teams run on tools like Guidewire, Applied Epic, or proprietary submission portals. Calling out specific platforms you've used, and how you've managed a pipeline in them without in-office support, signals to remote hiring managers that you won't need a ramp-up period.
Apply early to remote roles that fit
Migrate Mate lists remote underwriting consultant openings from across the U.S. in one place, so you can find roles that match your specialty and apply directly. Remote roles close fast, so checking current listings regularly and applying as soon as a fit appears puts you ahead of later applicants.
Prepare for written remote interviews
Many remote underwriting employers conduct initial interviews over video or async written assessments rather than phone screens. Practice explaining your underwriting philosophy, how you handle borderline risks, and how you communicate decisions to brokers in writing, since these are the formats remote teams rely on.
Remote Underwriting Consultant Jobs: Frequently Asked Questions
How do I get a remote underwriting consultant job?
Remote underwriting consultant roles go to candidates who can demonstrate independent judgment, structured written communication, and deep familiarity with risk assessment tools without needing in-person oversight. Employers screen for experience with underwriting platforms, comfort reviewing submissions asynchronously, and the ability to document decisions clearly for distributed teams. A history of managing a book of business or handling complex risk files without close supervision gives candidates a strong edge.
Which companies hire remote underwriting consultants?
Companies hiring remote underwriting consultants right now include Corebridge Financial, Builders Mutual Insurance, and Alliant Insurance Services, based on current remote listings on Migrate Mate as of November 2026. Remote-first carriers, specialty lines insurers, and distributed MGA platforms account for the largest share of these openings.
Can you get a remote underwriting consultant job with no experience?
Yes, but remote entry-level underwriting consultant roles are harder to land because employers expect you to work through submissions independently from day one. Your best path is through remote internships at insurance carriers, completing an AIMIS or CPCU coursework program, or building a portfolio of risk analysis projects. Demonstrating strong written communication and comfort with underwriting software closes much of the experience gap.
Do you need a degree for remote underwriting consultant jobs?
Not always. Many remote employers prioritize demonstrated underwriting skills, a licensed background, and a record of solid risk decisions over a specific degree. Industry credentials like the CPCU or AU designation, combined with hands-on experience assessing and pricing risk, often carry as much weight as a bachelor's degree for remote consulting roles.
Which industries hire the most remote underwriting consultants?
Most remote underwriting consultant openings sit in Insurance, Banking & Financial Services, and Investment & Asset Management, per current remote listings on Migrate Mate as of November 2026. These sectors rely on distributed underwriting teams to handle high submission volumes and specialized risk assessment across geographies without requiring consultants to be on-site.
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