Sr. Underwriting Consultant, Highland Capital Brokerage

Sr. Underwriting Consultant, Highland Capital Brokerage

We are currently seeking a Senior Underwriting Consultant at Highland Capital Brokerage. This position may be a remote position or work in one of our brick-and-mortar offices throughout the country as a part of a highly collaborative team.

Responsibilities include providing high-level life insurance and long term care underwriting expertise during the pre-sale and new business process. The candidate will provide direction on ordering medical records, assist with carrier selection, summarize medical records, create cover letters, evaluate carrier offers, negotiate offers with the carriers, and provide informal underwriting opinions to SVPs, marketing staff, and brokers. The candidate will also mentor less experienced personnel. Position requires a high-level understanding of the life insurance process, medical, non-medical and financial risk selection, and reinsurance expertise.

Education Requirements : Bachelor's degree preferred, high school diploma (or equivalent) in combination with significant practical experience will be considered in lieu of degree. Minimum of high school diploma or equivalent is required.

Responsibilities :

• Underwriting Direction :
• Review applications, examinations, and medical records as requested by the case manager to ensure all appropriate medical records have been ordered
• Review medical records as needed to identify any potential underwriting issues and offer an opinion on the underwriting outcome
• Summarize complex medical history for submission to carriers.
• Evaluate underwriting evidence and provide guidance on cases approved than as applied for
• Assist with and create cover letters
• Assist in maintaining underwriting data and underwriting resources
• Develop training and mentorship for underwriting associates and case managers
• Partner with sales as key customer connection into HCB
• Market your value to VIP customers as appropriate to strengthen key customer relationships
• Meet with customers on field visits to promote HCB underwriting value as a differentiator
• Review email, phone or web submitted inquiries from brokers and provide underwriting guidance
• Monitoring and Communication :
• Maintain correspondence with carriers and brokers by telephone, fax, letter or email
• Notify broker, Sales Vice President, and case manager of underwriting opinion
• Utilize data management systems per Highland Capital protocols to ensure accurate reporting
• Work with internal sales resources as needed so as to properly position cases
• Negotiate carrier offers where appropriate to ensure that optimal underwriting class is being received

Basic Requirements :

Preferred Requirements :