Consultant II, Underwriting Life

Overview

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, 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.

This role is fully remote.

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

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.

Key Responsibilities

Other

May Perform Other Responsibilities As Assigned.

Reporting Relationships

Reports to Underwriting Manager or Director.

Typical Skills And Experiences

Education : Undergraduate studies in medical related discipline, marketing, insurance, risk management, economics, finance or business management.

License / Certification / Designation : Obtainment of AALU designation. Participation in, or attainment of, professional / technical studies or designation such as the Chartered Life Underwriter (CLU) and Fellow of Life Management Institute (FLMI). EKG Certified preferred.

Experience : Ten years life underwriting experience

Knowledge, Abilities And Skills

Medical Underwriting : Understands the anatomy of the human body and disease processes and can assess the impact of an individual's mortality and morbidity risk and can translate that to assess the appropriate risk classification.

Financial Underwriting : Solid foundation for sophisticated financial underwriting. Extensive knowledge of life underwriting principles and practices, including basic contract law. In-depth knowledge of anatomy, physiology, pathology, medical and non-medical risks as they relate to life insurance. Knowledge of managing and interpreting underwriting results.

Relationships : Very comfortable negotiating offers and calling out on offers that are other than applied for to explain reasons to the advisor or sales leader. Proficient in products and reinsurance and in building relationships with facultative reinsurance partners. Excellent verbal and written communication skills for internal / external contacts. Strong collaboration and presentation skills. Ability to make decisions on highly complex issues and work with minimal direction. Proficiency in conflict resolution. Agile and adaptable. Advanced ability to handle ambiguity. Ability to coach, train and mentor other underwriters. Advanced analytical and critical thinking skills. Ability to communicate difficult concepts and influence others to adopt a different point of view. Excellent judgment and creative problem-solving skills including negotiation and conflict resolution. Proven track record of reaching a solution with multiple options. Strong resilience and ability to support others through change.

Other

Values : Nationwide values; Job Conditions : Overtime Eligible : Exempt (Not eligible); Working Conditions : Normal office environment with potential option to work from home; some travel may be required.

Benefits : We have an array of benefits to fit your needs, including medical / dental / vision, life insurance, short and long term disability coverage, paid time off with a minimum of 18 days per year, nine paid holidays, 401(k) with company match, and more. Nationwide is an equal opportunity employer. This position could be filled within any of the lower 48 U.S. states.

Notes

We currently anticipate accepting applications until 10 / 17 / 2025. However, we encourage early submissions, as the posting may close sooner if a strong candidate slate is identified before the deadline.

J-18808-Ljbffr