Life Insurance Underwriting Specialist (Work From Home)

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Company: The Elite Job

Location: United States

Employment Type: FULL_TIME, PART_TIME

Date Posted: 2025-10-25

Valid Through: 2026-10-25

Job Summary

The Elite Job is seeking a meticulous and analytical Life Insurance Underwriting Specialist to join our remote team. In this role, you will be responsible for evaluating life insurance applications, assessing risk factors, and determining appropriate coverage terms. The ideal candidate will have a strong understanding of life insurance principles, excellent decision-making skills, and the ability to work independently in a fast-paced virtual environment. This is an exciting opportunity for professionals who wish to advance their career in insurance underwriting while enjoying the flexibility of working from home.

Key Responsibilities

  • Review and analyze life insurance applications for completeness and accuracy.

  • Assess applicants medical history, lifestyle factors, financial background, and other relevant information to determine risk levels.

  • Apply underwriting guidelines and company policies to make informed decisions regarding coverage approval, modification, or rejection.

  • Collaborate with agents, brokers, and other internal teams to clarify application details or request additional information.

  • Prepare detailed risk assessment reports and maintain accurate records in the companys underwriting system.

  • Monitor portfolio performance and identify trends or potential areas of risk.

  • Stay up to date with industry regulations, insurance products, and underwriting best practices.

Required Skills and Qualifications

  • Bachelors degree in Finance, Insurance, Risk Management, or a related field.

  • Strong analytical and critical thinking skills.

  • Excellent written and verbal communication skills.

  • Proficiency in Microsoft Office Suite and insurance management software.

  • Ability to interpret complex medical, financial, and legal information.

  • High attention to detail and accuracy.

  • Strong decision-making abilities and ethical judgment.

Experience

  • Minimum of 2–4 years of experience in life insurance underwriting or related insurance roles.

  • Experience in remote work or virtual teams is a plus.

  • Familiarity with life insurance products, risk assessment tools, and industry regulations.

Working Hours

  • Full-time position (flexible remote hours).

  • Standard business hours with occasional deadlines or meetings as required.

Knowledge, Skills, and Abilities

  • In-depth knowledge of life insurance underwriting guidelines and risk assessment techniques.

  • Strong problem-solving skills and the ability to make independent judgments.

  • Excellent organizational skills and the ability to manage multiple tasks efficiently.

  • High level of professionalism and confidentiality in handling sensitive client information.

  • Adaptability to evolving workflows and technology platforms.

Benefits

  • Competitive salary with performance-based incentives.

  • Work from home with flexible scheduling options.

  • Health, dental, and vision insurance (where applicable).

  • Paid time off and holidays.

  • Professional development and training opportunities.

  • Supportive and collaborative virtual work environment.

Why Join The Elite Job

At The Elite Job, we value our employees growth, innovation, and well-being. As a remote Life Insurance Underwriting Specialist, you will have the opportunity to make critical decisions that protect our clients financial security while enjoying flexibility and autonomy in your role. Join a team committed to excellence, integrity, and continuous improvement in the insurance industry.

How to Apply

Interested candidates are invited to submit their resume and a cover letter highlighting relevant experience and qualifications. Please apply via our official careers page or email your application to us with the subject line: Application for Life Insurance Underwriting Specialist – WFH.

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