Contract Position - minimum of 4 monthsLife UnderwriterLocation: 100% Remote (U.S.)OverviewWe are seeking experienced Life Underwriters to join a growing team in a fully remote capacity. This role is ideal for professionals with strong experience in fully underwritten life insurance cases, medical record analysis, and risk classification.This position offers an opportunity to work independently while contributing to a high-volume underwriting operation.Key ResponsibilitiesEvaluate life insurance applications to determine risk classification (standard and substandard)Review medical records, APS (Attending Physician Statements), and prescription historiesAssess high-risk medications and combinationsAnalyze adverse health information and determine underwriting outcomesOrder medical exams and follow up on required documentationInterpret and apply MIB (Medical Information Bureau) codesIdentify off-label medication usage and its impact on underwriting decisionsEvaluate reinstatements, add-ons, and policy modificationsMaintain productivity standards, including reviewing high volume of casesApply medical terminology knowledge to underwriting decisionsRequired QualificationsMinimum 2-3 years of life underwriting experienceExperience with fully underwritten products (not automated underwriting)Strong knowledge of:Medical terminologyPrescription history analysisLife insurance risk assessmentSigning authority of $100,000+Proven ability to manage high case volumes efficientlyAbility to work independently in a remote environment with minimal supervisionPreferred QualificationsExperience with tools such as Milliman or IntelliscriptAbility to review and interpret detailed medical records (APS)Familiarity with Swiss Re or similar underwriting guidelinesWork ScheduleStandard shift: 8:00 AM – 5:00 PMAlternate shift: 7:00 AM – 4:00 PMEligibilityMust be based in the U.S.Candidates located in California or New York are not eligibleJob Type & LocationThis is a Contract to Hire position based out of Dallas, TX.Pay and BenefitsThe pay range for this position is $31.25 - $38.46/hr. Individual compensation offered for this position within this range will depend on many factors, including qualifications, skills, relevant experience, job knowledge, geographic location, internal equity, and other pertinent job-related factors.Eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to specific elections, plan, or program terms. If eligible, the benefits available for this temporary role may include the following:
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