As an **Underwriting Consultant,**you will serve as a senior technical expert within the Life Underwriting practice for Financial Protection and Retirement Solutions. You will apply specialized expertise to adjudicate the most complex cases, troubleshoot escalations, and guide peers in leveraging modern underwriting technologies. This role ensures competitive, customer-centric, and compliant underwriting practices while aligning with our values of **We do the right thing, We believe people count, We courageously shape our future together, and We go above and beyond for the people we serve.**
Do you want to be the go-to expert for complex life underwriting decisions and help lead A recognized authority in life underwriting with the ability to interpret complex business issues and deliver sound, innovative solutions. You are comfortable adapting precedent and introducing approaches that improve efficiency and customer experience while maintaining favorable mortality results within company expectations. You are also a trusted resource for peers and leaders, providing guidance on challenging cases and the adoption of digital tools.Proven ability to adopt and champion technology-enabled solutions, leveraging automated underwriting platforms and data-driven tools.Demonstrated experience working within reinsurance frameworks, including interpreting treaty language, understanding retention limits, applying automatic and facultative reinsurance rules, and collaborating with reinsurance partners. Familiarity with emerging technologies (Electronic Health Record (EHR), GenAI, wearable technology) and behavioral economics concepts.Familiarity with quality control programs (e.g., Random Holdouts (RHO), Post-Issue Audits (PIA)) and applying analytics for continuous improvement. Strong problem-solving and decision-making skills, able to adapt precedent and develop innovative approaches.Excellent communication and collaboration skills, capable of influencing peers and supporting leadership. Serve as one of the top technical underwriter on the team, adjudicating the most complex and high-value cases, reviewing appeals, reference, reinsurance submissions, ensuring decisions align with underwriting guidelines, mortality, morbidity, and product expectations.Apply deep reinsurance expertise to ensure appropriate use of automatic and facultative reinsurance, evaluate treaty requirements, and partner with reinsurance underwriters as needed.Serve as a trusted underwriting partner to Distribution and Field leadership, delivering clear guidance, responsive support, and consultative expertise to drive case placement, strengthen relationships, and ensure a seamless experience for producers and customers.Maintain deep knowledge of underwriting guidelines, risk assessment methodologies, and regulatory requirements, ensuring compliance and consistency. Champion the adoption and effective use of modern underwriting tools and platforms, ensuring integration into daily workflows. Troubleshoot complex underwriting issues across the underwriting team, applying innovative solutions.Collaborate with the entirety of the life underwriting team (e.g., managers, transformation specialists, etc.) to ensure successful implementation of transformation initiatives.* As our Underwriting Consultant, you will report to our Underwriting Manager.## **Location**Every day, Guardian helps our 29 million customers realize their dreams through a range of insurance and financial products and services. Our Purpose, to inspire well-being, guides our dedication to the colleagues, consumers, and communities we serve. We know that people count, and we go above and beyond to prepare them for the life they want to live, focusing on their overall well-being — mind, body, and wallet. As one of the largest mutual insurance companies, we put our customers first. Behind every bright future is a GuardianTM.
Learn more about Guardian at .Visa Sponsorship:Guardian Life is not currently or in the foreseeable future sponsoring employment visas. In order to be a successful applicant, you must be legally authorized to work in the United States, without the need for employer sponsorship. #J-18808-Ljbffr
Do you want to be the go-to expert for complex life underwriting decisions and help lead A recognized authority in life underwriting with the ability to interpret complex business issues and deliver sound, innovative solutions. You are comfortable adapting precedent and introducing approaches that improve efficiency and customer experience while maintaining favorable mortality results within company expectations. You are also a trusted resource for peers and leaders, providing guidance on challenging cases and the adoption of digital tools.Proven ability to adopt and champion technology-enabled solutions, leveraging automated underwriting platforms and data-driven tools.Demonstrated experience working within reinsurance frameworks, including interpreting treaty language, understanding retention limits, applying automatic and facultative reinsurance rules, and collaborating with reinsurance partners. Familiarity with emerging technologies (Electronic Health Record (EHR), GenAI, wearable technology) and behavioral economics concepts.Familiarity with quality control programs (e.g., Random Holdouts (RHO), Post-Issue Audits (PIA)) and applying analytics for continuous improvement. Strong problem-solving and decision-making skills, able to adapt precedent and develop innovative approaches.Excellent communication and collaboration skills, capable of influencing peers and supporting leadership. Serve as one of the top technical underwriter on the team, adjudicating the most complex and high-value cases, reviewing appeals, reference, reinsurance submissions, ensuring decisions align with underwriting guidelines, mortality, morbidity, and product expectations.Apply deep reinsurance expertise to ensure appropriate use of automatic and facultative reinsurance, evaluate treaty requirements, and partner with reinsurance underwriters as needed.Serve as a trusted underwriting partner to Distribution and Field leadership, delivering clear guidance, responsive support, and consultative expertise to drive case placement, strengthen relationships, and ensure a seamless experience for producers and customers.Maintain deep knowledge of underwriting guidelines, risk assessment methodologies, and regulatory requirements, ensuring compliance and consistency. Champion the adoption and effective use of modern underwriting tools and platforms, ensuring integration into daily workflows. Troubleshoot complex underwriting issues across the underwriting team, applying innovative solutions.Collaborate with the entirety of the life underwriting team (e.g., managers, transformation specialists, etc.) to ensure successful implementation of transformation initiatives.* As our Underwriting Consultant, you will report to our Underwriting Manager.## **Location**Every day, Guardian helps our 29 million customers realize their dreams through a range of insurance and financial products and services. Our Purpose, to inspire well-being, guides our dedication to the colleagues, consumers, and communities we serve. We know that people count, and we go above and beyond to prepare them for the life they want to live, focusing on their overall well-being — mind, body, and wallet. As one of the largest mutual insurance companies, we put our customers first. Behind every bright future is a GuardianTM.
Learn more about Guardian at .Visa Sponsorship:Guardian Life is not currently or in the foreseeable future sponsoring employment visas. In order to be a successful applicant, you must be legally authorized to work in the United States, without the need for employer sponsorship. #J-18808-Ljbffr