Senior Life Insurance Underwriter

**Job description:** **Senior Underwriter** 100% Remote \| Full\-Time HOVIN Underwriting Partners, Inc. is seeking an experienced Senior Life Underwriter to provide oversight and strategic direction across our life underwriting operations. This fully remote, full\-time role is ideal for a seasoned underwriting professional who combines deep technical expertise with strong decision\-making and the ability to partner closely with clients, and internal teams. The Senior Underwriter plays a critical role in upholding underwriting quality, consistency, and client satisfaction while guiding underwriting staff, setting standards, and supporting business growth. **Role Overview** As Senior Underwriter, you will oversee underwriting strategy and day\-to\-day underwriting operations across multiple client engagements. You will maintain the highest level of underwriting authority, provide guidance on complex and high\-face\-amount cases, mentor senior and junior underwriters, and serve as a key liaison to clients, and leadership. **Key Responsibilities** **Underwriting Leadership \& Authority** * Provide final underwriting approval and oversight for complex, high\-risk, and high\-face\-amount cases * Maintain underwriting authority from $5,000,000 to $10,000,000 subject to client limits. * Ensure underwriting decisions align with HOVIN standards, client expectations, and regulatory requirements * Serve as escalation point for adverse, complex, or precedent\-setting cases * Act as a primary underwriting resource for clients, reinsurers, and internal stakeholders * Participate in client meetings, audits, and strategic discussions * Provide underwriting insights to support client retention, growth, and reinsurance strategy * Represent HOVIN professionally in industry forums and client\-facing engagements * Ensure consistency in underwriting practices across multiple clients and platforms * Monitor underwriting trends, medical advancements, and industry best practices * Contribute to the evolution of underwriting guidelines, workflows, and risk frameworks **Qualifications \& Experience** * Bachelor’s degree or equivalent professional experience * 10\+ years of life underwriting experience, including senior\-level authority * Extensive experience with both direct writer and reinsurance underwriting * Proven ability to evaluate highly complex medical and non\-medical risks * Industry coursework required, including LOMA, ALU, FLMI, or similar (completed or in progress) **Technical Knowledge** * Expert\-level knowledge of: * Anatomy, physiology, pharmacology, and complex medical impairments * Medical terminology, lab analysis, APS interpretation, and ECGs * Financial underwriting concepts and legal documentation * Non\-medical risks including aviation, hazardous avocations, foreign travel, and occupational exposure **Benefits** * 401(k) 2% match * Dental insurance * Health insurance * Life insurance * LTD and STD * Paid time off * Professional devel