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Contact Nick Polutnik at npolutnik@saigepartners.com, you can also schedule an appointment at https://calendly.com/npolutnik-saigepartners/30min?month=2026-01 to learn more about this opportunity!

Underwriting Consultant 

This role involves reviewing and approving complex life insurance applications with a high level of independence. The position includes authority to make final decisions on large policies (up to $2,000,000) and to review cases referred by other underwriters. The role may also support projects such as audits, product development, training, systems, and claims.

Key Responsibilities

• Review medical and financial information to assess risk and make underwriting decisions based on guidelines
• Approve or decline applications, including more complex or higher-value cases
• Provide guidance and final decisions on cases referred by other underwriters
• Respond to questions from agents on more complex cases
• Work with medical directors when needed on difficult medical reviews
• Build strong relationships with agents and partners
• Help lead training sessions and share underwriting knowledge with the team
• Meet team goals for quality, turnaround time, and productivity
• Handle challenges professionally, including resolving conflicts and adapting to change
• Understand how decisions impact other teams and processes

Additional Responsibilities (as needed):

• Audits: Review underwriting files to ensure accuracy and consistency
• Claims: Assist in reviewing certain claims and provide input when needed
• Product Development: Support new product efforts, including testing and feedback
• Systems: Help develop or improve underwriting rules and processes
• Participate in projects as an underwriting subject matter expert

Qualifications

Education & Experience:

• Associate degree required; Bachelor’s degree preferred
• 10+ years of life insurance underwriting experience

Certifications:

• FALU designation required
• LOMA certifications required (Customer Essentials, ACS, FLMI)