Sr Life Underwriting Consultant

Horace Mann is seeking an experienced and highly skilled Senior Life Underwriting Consultant to join our Life Insurance team. This role is responsible for reviewing, evaluating, and classifying complex medical, non-medical, and financial risks to determine appropriate underwriting offers while balancing sound risk assessment with competitive positioning. The Senior Life Underwriting Consultant plays a critical role in protecting company profitability from a mortality and morbidity standpoint while ensuring fair and equitable decisions for applicants and agents. This position also serves as a technical expert, mentor, and key resource within the underwriting team.   Key Responsibilities Risk Assessment & Decision Authority Review, evaluate, and classify medical, non-medical, and financial risks to determine underwriting offers on new life insurance policies. Underwrite life insurance risks with approval authority up to $5,000,000 face amount cases. Ensure underwriting decisions are fair, consistent, and aligned with company profitability objectives. Maintain strict adherence to internal underwriting guidelines, SOPs, regulatory statutes, and legal/compliance directives. Operational Excellence & Productivity Manage and process caseload in a timely and productive manner, meeting or exceeding established service standards. Demonstrate superior competency in utilizing underwriting and new business systems, including Resonant, online reference manuals, and vendor websites. Complete audits of underwriting decisions and processing to ensure proper mortality assessments and identify training opportunities. Provide back-up support to the Chief Life Underwriter as needed. Complete cosigns for Underwriter-level cases as assigned. Relationship Management & Communication Develop and maintain strong working relationships with agents, sales teams, and internal and external customers. Provide accurate and timely communication to agents via email and telephone. Support a collaborative underwriting environment that promotes transparency and partnership. Leadership & Continuous Improvement Participate in projects, committees, and presentations as required. Identify and recommend opportunities to improve underwriting processes and procedures. Train and mentor team members in underwriting best practices and system utilization. Complete five (5) or more professional development actions annually, including industry courses, seminars, or continuing education activities. Qualifications & Experience 10+ years of experience as a Life Insurance Underwriter preferred. Demonstrated experience handling large face amount cases and complex underwriting scenarios. Strong understanding of mortality and morbidity risk evaluation. Proven ability to interpret medical and financial documentation accurately. Experience working within established underwriting authority levels. Strong communication, analytical, and decision-making skills. Demonstrated commitment to compliance, accuracy, and professional development. Additional Information Normal office environment with remote work-from-home options based on management discretion and business needs. Core business hours required; additional time may be necessary to meet service standards. Periodic travel may be required. Salary Range:                $76,600.00 - $106,450.00 annually  Salary is commensurate to experience, location, etc. #APPHorace Mann was founded in 1945 by two Springfield, Illinois, teachers who saw a need for quality, affordable auto insurance for teachers. Since then, we’ve broadened our mission to helping all educators protect what they have today and prepare for a successful tomorrow.  And with our broadened mission has come corporate growth:  We serve more than 4,100 school districts nationwide, we’re publicly traded on the New York Stock Exchange (symbol: HMN) and we have more than $12 billion in assets. We’re motivated by the fact that educators take care of our children’s future, and we believe they deserve someone to look after theirs.  We help educators identify their financial goals and develop plans to achieve them.  This includes insurance to protect what they have today and financial products to help them prepare for their future. Our tailored offerings include special rates and benefits for educators. EOE/Minorities/Females/Veterans/Disabled. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status For applicants that are California residents, please review our California Consumer Privacy Notice All applicants should review our Horace Mann Privacy Policy

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