Life and Annuity Advanced Underwriting Specialist and Key Accounts Lead

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For over 50 years, AmeriLife has been a leader in the development, marketing and distribution of annuity, life and health insurance solutions for those planning for and living in retirement.

Associates get satisfaction from knowing they provide agents, marketers and carrier partners the support needed to succeed in a rapidly evolving industry.

Job Summary

The Life & Annuity Advanced Underwriting Specialist & Key Accounts Liaison is a senior-level hybrid role designed for an experienced Life & Annuity professional with deep expertise in new business processing, underwriting navigation, and high-level agent relationship management. This position is responsible for managing the department's most complex cases and highest-value agent accounts, serving as the primary escalation point for underwriting challenges and "Not In Good Order" (NIGO) resolutions, and acting as a strategic liaison between Gordon Marketing's key agent partners and carrier underwriting teams.

Drawing on 10+ years of Life & Annuity department leadership experience, this individual brings institutional knowledge, carrier relationships, and advanced technical expertise that directly elevates the quality of service delivered to Gordon Marketing's agent network. This role operates with a high degree of autonomy and professional judgment, and is expected to serve as a subject matter expert and resource for the broader Life & Annuity team.

Job Description

Essential Job Duties & Responsibilities

Advanced Case Management & Underwriting
•    Personally manage a pipeline of complex, high-value, and non-standard life insurance and annuity cases from submission through policy issuance and in-force status.
•    Navigate advanced underwriting scenarios including impaired risk cases, large face-amount policies, non-medical limits, table ratings, flat extras, and exclusions.
•    Conduct detailed application reviews for completeness, accuracy, and regulatory compliance; identify and resolve NIGO issues before submission to minimize delays.
•    Order and coordinate paramedical exams, Attending Physician Statements (APS), lab work, and doctor records; proactively follow up to keep cases on track.
•    Submit applications to carriers and actively manage daily case status across multiple carrier portals and through direct underwriter communication.
•    Once policies are issued and received, ensure proper scanning to file, policy delivery to the agent, and complete documentation in all internal systems.
•    Manage cases end-to-end from initial submission through placement, in-force status, and commission payment.

Escalation Handling & NIGO Resolution
•    Serve as the primary escalation point for the Life & Annuity team on complex, stalled, or problematic cases requiring senior-level intervention.
•    Analyze and resolve NIGO issues with precision and urgency, communicating clearly with agents and carriers to obtain outstanding requirements.
•    Facilitate informal underwriting pre-screening and field underwriting consultations on behalf of agents prior to formal application submission.
•    Advocate on behalf of agents with carrier underwriters to pursue favorable underwriting decisions, reconsiderations, and appeals where appropriate.
•    Identify patterns in NIGO or case delays and recommend process improvements or agent education to reduce recurring issues.

Key Accounts & Agent Relationship Management
•    Serve as the dedicated liaison for Gordon Marketing's key agent accounts, providing elevated, high-touch support throughout the new business process.
•    Build and maintain deep, trusted relationships with top-producing agents, carrier case managers, regional sales directors, and underwriters.
•    Proactively communicate case status updates, requirement notifications, and policy delivery timelines to key account agents.
•    Monitor key account pipeline health and proactively flag at-risk cases or potential lapse situations to agents and management.

Team Resource & Subject Matter Expertise
•    Function as an internal subject matter expert and go-to resource for the Life & Annuity team on complex products, carrier guidelines, and underwriting requirements.
•    Provide guidance and informal mentorship to junior processors on case handling, carrier communication, and problem resolution.
•    Attend and participate in carrier training sessions and webinars; share relevant product and underwriting updates with the broader team.
•    Scour carrier websites for direct-submit life and annuity policy options and communicate findings to team members and management.
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