Life Underwriter – Remote

This mission-driven, member-focused financial services organization is a not-for-profit fraternal benefit society dedicated to protecting families through life insurance, long-term care, disability income, annuities, and investment products. With more than two million members worldwide, the organization combines financial strength with a deep commitment to service—contributing more than $1.7 billion over the past decade to charitable causes supporting communities in need.
Rooted in values-based principles, the organization integrates its mission into both its business practices and employee experience, fostering a collaborative environment where purpose and performance go hand in hand.

What Employees Are Saying

“A rare place where your work truly aligns with a larger purpose—people here genuinely care about the mission.”
“Strong culture, supportive leadership, and excellent work-life balance, especially in a remote setting.”
“Great benefits and stability—you feel valued not just as an employee, but as a person.”

Title: Life Underwrite
Location: Remote, North East USA
Salary: $75,000 to $95,000

Why Work Here

Purpose-Driven Work: Be part of an organization where financial services directly support families and communities in meaningful ways.
Outstanding Benefits & Stability: Comprehensive health coverage, fully funded retirement contributions, generous paid time off, and long-term career stability.
Remote Flexibility + Growth: Work remotely while accessing ongoing professional development, certifications, and advancement opportunities.

Responsibilities

Evaluate, classify, and make underwriting decisions on individual life insurance applications up to $500,000 (with occasional exposure to higher-value cases).
Assess risk factors including medical history, lifestyle, occupation, travel, and avocations to determine appropriate coverage and premiums.
Approve, modify, or decline applications for new business, policy changes, reinstatements, and benefit additions while maintaining equitable risk selection.
Communicate effectively with field representatives and internal teams regarding underwriting decisions, policies, and case requirements.
Respond to inquiries regarding underwriting practices and support consistent application of guidelines and regulatory standards.
Apply sound judgment and analytical skills to ensure balanced risk management and business outcomes.

Qualifications

Bachelor’s degree (BS or BA required).
3–5 years of individual life underwriting experience or equivalent combination of education and experience (preferred).
Progress toward or completion of LOMA and ALU designations (preferred).
Strong knowledge of medical terminology and human anatomy, with the ability to apply this knowledge in underwriting decisions.
Understanding of federal and state insurance regulations.
Excellent analytical, problem-solving, and risk assessment abilities.
Strong written and verbal communication skills with the ability to make informed, independent decisions.
Familiarity with life insurance products and underwriting systems is a plus.