Associate Underwriter

Overview

Come join one of America’s fastest-growing insurance companies. Since 1848, National Life Group has aimed to keep our promises, providing families with stability in good times and in bad. Our mission extends beyond the insurance and annuities policies that we offer, including charitable grants, paid volunteer time, environmentally sustainable workplaces, and events that support nonprofits.

We foster a collaborative environment with opportunities for growth and encourage our associates to live our values:
Do good. Be good. Make good.

Please note that we do not offer visa sponsorship for this position.

Kickstart your career in underwriting with our 16-week U-Excel comprehensive Associate Underwriter training program, with a position to start after successful completion of the training. Join our team to conduct risk assessments on proposed insureds, applying guidelines to make appropriate decisions on policies that contribute to NLG’s growth, protect the bottom line, and drive our competitive advantage for seamless service and customer intimacy.

This position currently offers an onsite work schedule, with the expectation that you are in the office four (4) days per week during onsite core days. Our current onsite core days are Monday, Tuesday, Wednesday, and Thursday. The work schedule type and core days are subject to change with advance notification and manager discretion.

• Analyze and verify insurance applications for completeness and accuracy.
• Review medical records, financial statements, and other relevant documents and established guidelines to evaluate the risk level of applicants and determine whether to approve, decline, or request additional information for insurance applications.
• Recommend appropriate coverage amounts and policy terms based on risk assessment.
• Ensure all underwriting decisions comply with regulatory requirements and company policies.
• Communicate with insurance agents, brokers, and applicants to gather information and clarify details regarding underwriting decisions.
• Participate in going training to learn underwriting processes, tools, and systems to advance skills and knowledge.
• Stay updated on industry regulations, new products, and market trends through webinars, seminars, and conferences.
• Maintain accurate records of underwriting decisions and their rationale.
• Address questions or concerns from applicants or agents related to underwriting decisions.

• Action-Oriented: Actively navigate ambiguity and challenges, handle tough situations, and maintain a can-do attitude.
• Courage: Tackle tough assignments, face difficult issues, and challenge the status quo.
• Customer Focus: Find reward in helping people and providing excellent service.
• Decision Making: Make sense of complex information, critically evaluate, and create solutions.
• Resiliency: Adapt quickly to new information and processes and bounce back from setbacks.
• Effective Communication/Interpersonal Savvy: Clearly convey messages verbally and in writing, demonstrating strong listening skills.
• Situational Adaptability: Flexibly adapt to people and situations, using appropriate empathy.
• Attention to detail, conflict resolution, business writing, and critical thinking.

• Bachelor’s degree preferred or 2 years of relevant financial and/or industry experience.

The base pay range for this position is $27 - $39 USD per hour. The final salary or hourly wages offered may be outside of this range based on factors such as prior experience, education, and current market conditions. The total compensation package may also include medical, financial, and other benefits (including 401(k) eligibility and paid time off). The successful candidate may be eligible to participate in discretionary incentive programs.

If hired, the employee will be in an at-will position and National Life reserves the right to modify base salary and other compensation or benefits at any time.

National Life is accepting applications for this role on an ongoing basis and the role remains open until filled.

National Life Group is a trade name of National Life Insurance Company and affiliates. Equal Employment Opportunity statement applies as part of the Voluntary Self-Identification sections where applicable. This description does not include all requirements, duties, or qualifications of the role, and National Life Group reserves the right to change job duties or hire at any time.