Underwriting Consultant

Do you want to be the go-to expert for complex life underwriting decisions and help lead the adoption of next-generation tools? 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.

You are

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.

You have

• Specialized depth and breadth of expertise in individual life underwriting, including authority on complex and high dollar cases.

• 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.

You will

• 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.

• Provide expert judgment and guidance on escalated cases, troubleshooting complex issues for all levels of staff and management.

• 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.

• Mentor, train, and guide underwriters in advanced case handling and digital tool utilization.

• Monitor industry trends and share insights to inform prudent business decisions.

• Collaborate with the entirety of the life underwriting team (e.g., managers, transformation specialists, etc.) to ensure successful implementation of transformation initiatives.

Salary Range:

The salary range reflected above is a good faith estimate of base pay for the primary location of the position. The salary for this position ultimately will be determined based on the education, experience, knowledge, and abilities of the successful candidate. In addition to salary, this role may also be eligible for annual, sales, or other incentive compensation.

Our Promise

At Guardian, you’ll have the support and flexibility to achieve your professional and personal goals. Through skill-building, leadership development and philanthropic opportunities, we provide opportunities to build communities and grow your career, surrounded by diverse colleagues with high ethical standards.

Inspire Well-Being

As part of Guardian’s Purpose – to inspire well-being – we are committed to offering contemporary, supportive, flexible, and inclusive benefits and resources to our colleagues. Explore our company benefits at Benefits apply to full-time eligible employees. Interns are not eligible for most Company benefits.

Equal Employment Opportunity

Guardian is an equal opportunity employer. All qualified applicants will be considered for employment without regard to age, race, color, creed, religion, sex, affectional or sexual orientation, national origin, ancestry, marital status, disability, military or veteran status, or any other classification protected by applicable law.

Accommodations

Guardian is committed to providing access, equal opportunity and reasonable accommodation for individuals with disabilities in employment, its services, programs, and activities. Guardian also provides reasonable accommodations to qualified job applicants (and employees) to accommodate the individual's known limitations related to pregnancy, childbirth, or related medical conditions, unless doing so would create an undue hardship. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact [email protected]. Please note: this resource is for accommodation requests only. For all other inquires related to your application and careers at Guardian, refer to the Guardian Careers site.

Visa Sponsorship

Guardian 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.

Current Guardian Colleagues: Please apply through the internal Jobs Hub in Workday.