Associate Underwriter

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. Throughout that history, we have provided peace of mind to those families as they plan their futures.

Our mission extends beyond the insurance and annuities policies that we offer. We strive to make the world a better place through our grants from our charitable foundation, paid volunteer time for our employees, environmentally sustainable and healthy workplaces, and events that promote the work of nonprofits in our own backyard. We foster a collaborative environment with opportunities for growth and encourage our associates to live our values:
Do good. Be good. Make good.

Note:
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.

• Your benefits start day one and are flexible and customizable to your and your family’s specific needs. Check out the BENEFITS of a Career at National Life!

• The base pay range for this position is $27 - $39 USD hourly, with details described in the posting. The final salary or hourly wages offered may be outside of this range based on factors including experience, education, and market conditions.
• The total compensation package may include medical, financial, and/or other benefits (including 401(k) eligibility and various paid time off benefits). Eligible employees may participate in discretionary annual incentive programs, subject to program rules. Employment is at-will and National Life reserves the right to modify base salary and benefits at any time for performance, company or department needs, and market factors.

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

Hourly Pay Range: $27 - $39 USD

National Life Group is a trade name of National Life Insurance Company and affiliates. All entities are independent of the companies of National Life Group.