Consultant II, Underwriting Life

Are you passionate about being part of a team that delivers extraordinary care to help individuals and businesses prepare for and protect their retirement? If so, then Nationwide Financial could be the place for you! At Nationwide®, “on your side” goes beyond just words. Our customers are at the center of everything we do and we’re looking for associates who are passionate about delivering extraordinary care.

Are you a decisive, forward-thinking underwriter ready to make a real impact? At Nationwide, we’re not just underwriting policies—we’re underwriting people. Our focus is building relationships, driving innovation, and delivering the exceptional customer experience we’re known for in the industry.
 

As a Life Underwriting Consultant, you’ll be at the forefront of our mission—analyzing complex cases, making high-stakes decisions, and collaborating with top-tier financial professionals to craft winning solutions. You’ll bring your expertise to the table, working autonomously with the authority to make competitive offers, all while mentoring others and shaping the future of underwriting.
 

What You’ll Do:

• Underwrite sophisticated life insurance applications with autonomy and precision
• Lead initiatives, mentor peers, and serve as a go-to expert
• Partner closely with sales and financial professionals to understand client needs and deliver competitive, tailored solutions
• Drive innovation through accelerated and intelligent underwriting strategies
• Represent Nationwide at industry events and help shape best practices
   

What You Bring:

• 10+ years of life underwriting experience
• FALU, CLU, FLMI, and EKG certification preferred
• Strong financial acumen and advanced risk assessment skills
• A collaborative spirit and a passion for continuous learning
• Confidence and flexibility in making complex decisions and influencing outcomes

This role is fully remote.

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Job Description Summary

Our underwriters work hard to provide the exceptional customer experience for which Nationwide is known. Actively engaging with our firms and financial professionals to get to know their clients and their needs builds our understanding of the market, what is needed to win business and put our best offer out first.

If you thrive working autonomously, making decisions on a variety of impactful issues and continuing to learn and adapt to grow, we want to know more about you!

As a Life Underwriting Consultant, you'll analyze, select and classify applications for life insurance, of considerable technical complexity and exposure, to ensure underwriting quality according to established underwriting policies, practices and standards. You'll review and make decisions on larger, more sophisticated, or unusual business. To succeed, you'll need to coordinate life selection standards according to underwriting practices and procedures to achieve satisfactory mortality experience and acceptable administrative results. You'll have opportunities to provide leadership on projects, departmental committees and on the team by identifying problems and potential solutions and be serving as a referral point for less experienced underwriters. You'll work with latitude for independent judgment based on your underwriting authority and company underwriting standards.

Job Description

Key Responsibilities: 

• Receives, evaluates and underwrites, on a medical or non-medical basis more complex applications for life insurance up to their maximum handling limit as  approved by the Chief Underwriter. Protects the confidentiality of documentation and information acquired throughout the underwriting process. Works within broad limits and authority on highly sophisticated assignments requiring niche knowledge in area of expertise.

• Maintains in-depth knowledge of manuals, underwriting materials, rules, regulations, procedures medical factors and practices impacting mortality and morbidity underwriting. Maintains solid understanding of all underwriting administrative systems to conduct business and provides outstanding service to all internal and external customers and field partners.

• Evaluates and accesses applications requiring additional evidence of insurability. Determines the need for and authorizes the ordering of, underwriting requirements to include, but not limite