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Life and Annuity Advanced Underwriting Specialist and Key Accounts Lead

RemotePosted today

The Life & Annuity Advanced Underwriting Specialist & Key Accounts Liaison is a senior-level hybrid role for an experienced Life & Annuity professional, focusing on complex case management, underwriting, and high-level agent relationship management.

Location: Remote

Responsibilities

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.
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.
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.
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.
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.
Like, share, and post approved social media content related to Life & Annuity products as directed.
Perform all other tasks and duties as assigned by management.

Requirements

10+ years of experience in Life & Annuity new business processing, case management, or department leadership is strongly preferred.
Demonstrated experience managing complex and impaired-risk life insurance and annuity cases.
Prior experience in an Insurance Marketing Organization (IMO/FMO) or carrier new business environment is highly desirable.
Proven track record of managing high-value agent relationships and serving as an escalation resource for underwriting challenges.
Background in Life & Annuity department leadership, supervision, or training is a significant advantage.