Senior Life & Disability Underwriter (Fully Remote)

Other Jobs To Apply

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 an experienced Senior Life & Disability Underwriter to join our fully remote team. In this role, you will leverage your underwriting expertise to assess and evaluate life and disability insurance applications, ensuring compliance with company policies, industry standards, and regulatory guidelines. You will play a critical role in risk assessment, policy pricing, and decision-making while collaborating with cross-functional teams to deliver accurate and timely underwriting solutions.

This is an excellent opportunity for a seasoned professional to apply deep underwriting knowledge in a flexible, remote environment while contributing to the growth and success of a leading insurance organization.

Key Responsibilities:

  • Conduct thorough evaluation of life and disability insurance applications, including medical records, financial documents, and risk factors.

  • Determine appropriate coverage, premiums, and policy terms based on risk assessment.

  • Collaborate with internal teams including sales, claims, and risk management to ensure smooth policy issuance and compliance.

  • Maintain up-to-date knowledge of regulatory requirements, industry trends, and company underwriting guidelines.

  • Review complex cases, making judgment calls on high-risk or non-standard applications.

  • Provide guidance and mentorship to junior underwriters, assisting in their professional development.

  • Ensure accurate documentation and timely reporting of underwriting decisions in internal systems.

  • Participate in audits, quality assurance checks, and process improvement initiatives.

Required Skills and Qualifications:

  • Bachelors degree in Finance, Business, Actuarial Science, or related field (advanced degrees preferred).

  • Proven experience in life and disability insurance underwriting, ideally with 5+ years in a senior role.

  • Strong analytical and decision-making skills, with keen attention to detail.

  • Knowledge of medical terminology, financial statements, and insurance risk assessment.

  • Excellent written and verbal communication skills.

  • Proficiency with underwriting software and Microsoft Office Suite.

  • Strong organizational skills and ability to manage multiple complex cases simultaneously.

Experience:

  • Minimum 5 years of underwriting experience in life and disability insurance.

  • Prior experience in handling high-volume or complex cases is highly desirable.

  • Experience in mentoring or supervising junior underwriters is a plus.

Working Hours:

  • Full-time remote position.

  • Standard business hours with flexibility depending on team and project requirements.

  • Occasional extended hours may be required to meet deadlines.

Knowledge, Skills, and Abilities (KSA):

  • In-depth understanding of insurance policies, coverage terms, and underwriting principles.

  • Ability to assess medical, financial, and lifestyle risks effectively.

  • Strong critical thinking and problem-solving capabilities.

  • Excellent interpersonal skills for collaborating with cross-functional teams.

  • Self-motivated, disciplined, and capable of working independently in a remote environment.

  • Ability to adapt to changes in guidelines, regulations, and company policies.

Benefits:

  • Competitive salary with performance-based incentives.

  • Comprehensive health, dental, and vision insurance coverage.

  • 401(k) plan with company match.

  • Generous paid time off and flexible work schedule.

  • Professional development opportunities and mentorship programs.

  • Fully remote work with supportive virtual team environment.

Why Join The Elite Job:

  • Be part of a forward-thinking company that values expertise, innovation, and remote work flexibility.

  • Work with a team of industry professionals in a supportive and collaborative environment.

  • Opportunities to advance your career and take on leadership responsibilities.

  • Contribute to impactful underwriting decisions that protect clients and grow the business.

How to Apply:

Interested candidates are invited to submit their resume and cover letter via our official careers portal or email us. Please include Senior Life & Disability Underwriter – Remote in the subject line. Only shortlisted candidates will be contacted for interviews.

Back to blog

Common Interview Questions And Answers

1. HOW DO YOU PLAN YOUR DAY?

This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

2. HOW DO YOU USE THE DIFFERENT COMMUNICATION TOOLS IN DIFFERENT SITUATIONS?

When you're working on a remote team, there's no way to chat in the hallway between meetings or catch up on the latest project during an office carpool. Therefore, virtual communication will be absolutely essential to get your work done...

3. WHAT IS "WORKING REMOTE" REALLY FOR YOU?

Many people want to work remotely because of the flexibility it allows. You can work anywhere and at any time of the day...

4. WHAT DO YOU NEED IN YOUR PHYSICAL WORKSPACE TO SUCCEED IN YOUR WORK?

With this question, companies are looking to see what equipment they may need to provide you with and to verify how aware you are of what remote working could mean for you physically and logistically...

5. HOW DO YOU PROCESS INFORMATION?

Several years ago, I was working in a team to plan a big event. My supervisor made us all work as a team before the big day. One of our activities has been to find out how each of us processes information...

6. HOW DO YOU MANAGE THE CALENDAR AND THE PROGRAM? WHICH APPLICATIONS / SYSTEM DO YOU USE?

Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

7. HOW DO YOU ORGANIZE FILES, LINKS, AND TABS ON YOUR COMPUTER?

Just like your schedule, how you track files and other information is very important. After all, everything is digital!...

8. HOW TO PRIORITIZE WORK?

The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

9. HOW DO YOU PREPARE FOR A MEETING AND PREPARE A MEETING? WHAT DO YOU SEE HAPPENING DURING THE MEETING?

Just as communication is essential when working remotely, so is organization. Because you won't have those opportunities in the elevator or a casual conversation in the lunchroom, you should take advantage of the little time you have in a video or phone conference...

10. HOW DO YOU USE TECHNOLOGY ON A DAILY BASIS, IN YOUR WORK AND FOR YOUR PLEASURE?

This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...