Underwriting Consultant

Symetra is hiring an Underwriting Consultant to review individual life insurance applications, with a focus on high-net-worth and foreign national clients. The role is for an experienced underwriter who can assess complex mortality risks, work with medical directors and distribution teams, and mentor other underwriters. This is a remote or hybrid position based in the United States.

What you will do

• Review individual life insurance applications, including high-net-worth and foreign national cases
• Assess medical and non-medical risk against company guidelines, aiming to deliver the best possible offer upfront
• Work with Medical Directors, Underwriting Leadership, and peers on complex or unique cases
• Apply your underwriting authority responsibly and collaborate on higher-limit cases
• Meet service expectations while keeping quality and consistency
• Communicate underwriting decisions clearly with internal partners and distribution teams
• Share your knowledge through agent and partner education, including leading seminars on underwriting topics
• Serve as a resource and mentor for fellow underwriters on complex or high-visibility cases
• Support training, coaching, and knowledge sharing
• Identify ways to improve underwriting processes and the customer experience
• Take part in team, department, and company initiatives
• Engage with industry events and stay current on trends

What they are looking for

• At least 7-10 years of cumulative, relevant experience
• Proven analytical and problem-solving skills
• Strong attention to detail and ability to manage large caseloads with quick turnaround times while maintaining Symetra's mortality standards
• Strong technical and financial underwriting skills
• Service-oriented, with a commitment to meet deadlines and handle multiple tasks in a demanding work environment
• Strong interpersonal and communication skills, written and verbal
• Mastery of underwriting principles, practices, insurance medicine, financial underwriting, field operations, product offerings, and life insurance contract law
• Ability to travel and make presentations to clients and producers
• Strong negotiation skills
• CLU, FALU and/or FLMI, or working toward completion of a designation, is preferred
• College degree preferred; high school diploma required

Pay and benefits

The salary range is $96,700 to $161,200 per year, plus eligibility for an annual bonus program. Benefits include flexible full-time or hybrid telecommuting arrangements, a 401(k) plan with immediate vesting and company matching up to 6%, paid time away including vacation and sick time, flex days, and ten paid holidays, and company matching for community giving.

Remote work requirements

Symetra is a remote-first organization with standards for employees' internet connections. The minimum speed is 100 Mbps download and 20 Mbps upload. The connection must be fiber, cable, or DSL. Satellite, cellular broadband, other wireless technology, and wired dial-up are not permitted. Applicants will be asked to test their internet speed and confirm it meets or exceeds this standard.

Hiring process and work authorization

After the initial phone screen, candidates must be on video for all interviews. Symetra takes steps at key points in the process to verify that a candidate is not seeking employment fraudulently. Failure to comply with verification procedures may result in disqualification, withdrawal of a job offer, or termination if fraud is discovered. Employer work visa sponsorship and support are not provided for this role. Applicants must be authorized to work in the United States at hire and maintain that authorization throughout employment.

About Symetra

Symetra is a national financial services company that provides products and services in insurance and retirement. The company states that it aims to be the most inclusive insurance company in the country and that it is committed to diversity, equity, and inclusion. Occasional travel may be required for this role.