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Individual Life Underwriter Jobs (NOW HIRING)

Corebridgefinancial

Director, Life Underwriting

$128K - $138K/yr

Underwriting team members provide medical and financial risk assessment on applications for individual life insurance applications. The primary responsibility of the Director, Life Underwriting is to ...

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Individual Life Underwriter information

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$32.5K

$78.9K

$139.5K

How much do individual life underwriter jobs pay per year?

As of Sep 9, 2026, the average yearly pay for individual life underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

What is an individual life underwriter?

An Individual Life Underwriter is a professional who evaluates applications for life insurance coverage. They assess the risk associated with insuring an individual by reviewing medical records, financial information, and lifestyle factors. Their goal is to determine whether to approve, modify, or decline life insurance applications based on company guidelines. Underwriters play a crucial role in ensuring the insurance company maintains a balanced portfolio while offering fair premiums to customers.

What are the key skills and qualifications needed to thrive as an individual life underwriter?

To thrive as an Individual Life Underwriter, you need a strong understanding of risk assessment, insurance principles, and medical terminology, typically supported by a bachelor's degree in a related field. Proficiency with underwriting software, automated rules engines, and familiarity with industry certifications such as LOMA or ALU is highly valuable. Analytical thinking, attention to detail, and effective communication are crucial soft skills for evaluating applications and collaborating with agents or clients. These skills ensure accurate risk evaluation, compliance with regulations, and sound decision-making essential for protecting the insurer's interests.

What are some common challenges an individual life underwriter faces when assessing complex applications?

Individual Life Underwriters often encounter challenges when evaluating applications with incomplete medical histories, ambiguous financial backgrounds, or unusual risk factors. These situations require thorough investigation, critical thinking, and collaboration with medical professionals and field agents to gather additional information. Successfully navigating these complexities while balancing risk and customer satisfaction is key to making sound underwriting decisions. Staying current with evolving underwriting guidelines and technology also helps underwriters manage these challenges efficiently.

What is the difference between Individual Life Underwriter vs Life Insurance Underwriter?

AspectIndividual Life UnderwriterLife Insurance Underwriter
CertificationsTypically requires certifications like FLMI or CPCUOften requires similar certifications, such as FLMI or CPCU
Work EnvironmentWorks primarily in insurance companies, assessing individual life policiesWorks in insurance firms, evaluating various life insurance applications
Industry UsageCommonly used term in life insurance industryBroader term, includes both individual and group life insurance underwriting

Both roles involve evaluating life insurance applications, but the term 'Individual Life Underwriter' specifically focuses on personal life policies. 'Life Insurance Underwriter' is a broader term that may include other types of life insurance assessments. The roles share similar credentials and work environments, making them closely related in the industry.

Is it hard to be an individual life underwriter?

Being an individual life underwriter requires strong analytical skills, attention to detail, and knowledge of insurance policies and risk assessment. The role can be challenging due to the need for accurate evaluations and adherence to regulatory standards, but it also offers clear procedures and tools to support decision-making.
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Cities with the most Individual Life Underwriter job openings:

What states have the most Individual Life Underwriter jobs?

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What are popular job titles related to Individual Life Underwriter jobs?

For Individual Life Underwriter jobs, the most frequently searched job titles are:

Individual Life Underwriter jobs near you
Infographic showing various Individual Life Underwriter job openings in the United States as of September 2026, with employment types broken down into 100% Full Time. Highlights an 67% In-person, and 33% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Individual Life Competitive Intelligence Senior Consultant (Hybrid)

Saint Paul, MN • On-site

Securian Financial
Finance and Insurance • 5 - 10K employees
Learn more about Securian Financialexternal

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 24 days ago

Securian Financial rating

8.7

Company rating: 8.7 out of 10

Based on 20 frontline employees who took The Breakroom Quiz

Job description

At Securian Financial, the internal title for this position is Business Development Sr Consultant.

Overview:

This position is part of the Competitive Intelligence & Product Consulting team within Individual Solutions, focused on theIndividualLife market.


The Life Competitive Intelligence Senior Consultant serves as the strategic owner of life insurance competitive intelligence and industry insights for Individual Solutions. This role provides expert analysis, thought leadership, and actionable recommendations that inform product strategy, distribution effectiveness, and business growth initiatives.
An associate in this position willidentifymarket opportunities, evaluate competitive threats, influence product and business decisions, and ensure Securian maintains a strong understanding of the life insurance marketplace and competitive landscape.The position acts as a trusted advisor to business leaders and strategic partners while helping strengthen intelligence capabilities, mentor team members, and advance competitive intelligence practices across the organization.

Responsibilities include, but are not limited to:

Strategy Development & Business Consultation

  • Serve as the senior competitive intelligence advisor for the Individual Life business, providing proactive market, competitor, and industry intelligence that informs executive decision-making, strategic planning, and investment priorities.

  • Proactively monitor industry trends, competitor activities, and the end-to-end Individual Life competitive landscape to anticipate market shifts, identify opportunities and risks, and recommend strategic responses.

  • Synthesize complex market intelligence into executive recommendations that influence business strategy, product roadmaps, distribution priorities, and investment decisions.

  • Develop executive-level analyses, reports, and presentations while cultivating key industry relationships that strengthen market awareness and competitive intelligence.

Business Innovation & Competitive Positioning

  • Serve as the primary competitive intelligence resource for Individual Life, partnering across Product, Actuarial, Underwriting, Distribution, Marketing, and other business areas to influence product innovation, underwriting strategy, illustration competitiveness, customer value, and market differentiation.

  • Lead market and competitive assessments to proactively identify opportunities for new products & enhancements, underwriting innovation, pricing strategy, distribution, digital experiences, and customer value creation.

  • Develop strategic business cases and recommendations that support product strategy, lifecycle management, governance decisions, and ongoing market competitiveness.

  • Ensure product and underwriting strategies are informed by customer needs, emerging market trends, and competitive dynamics.

Distribution Enablement

  • Serve as a trusted competitive intelligence advisor to distribution leadership, relationship managers, and strategic partners by providing insights that strengthen sales effectiveness, market positioning, and business growth.

  • Develop and deliver executive presentations, competitive positioning, educational resources, and thought leadership that enhance product knowledge, market awareness, and sales readiness.

  • Influence distribution and sales strategies through forward-looking insights on competitive advantages, customer needs, emerging market trends, and evolving distribution opportunities.

  • Support strategic product launches, partner engagements, industry conferences, and key business initiatives while representing Securian as a knowledgeable industry resource.

Competitive Intelligence Leadership

  • Serve as the senior practitioner within the competitive intelligence function, advancing research methodologies, analytical frameworks, knowledge management, and intelligence best practices.

  • Drive continuous improvement of competitive intelligence capabilities through emerging technologies, artificial intelligence, advanced analytics, and innovative research methodologies.

  • Mentor and coach team members by strengthening analytical capabilities, sharing expertise, and fostering strategic thinking.

Qualifications:

  • Bachelor's degree or equivalent experience.

  • 7+ years of experience in competitive intelligence, market intelligence, product development, strategic planning, consulting, or related life insurance disciplines.

  • Deep knowledge of life insurance product mechanics, underwriting, distribution channels, market dynamics, and competitor strategies.

  • Demonstrated ability to influence senior leaders and drive business decisions through strategic recommendations.

  • Strong analytical skills with the ability to synthesize complex information into actionable business insights.

  • Exceptional written, verbal, presentation, and facilitation skills.

  • Proven ability to independently lead complex projects and navigate ambiguity.

  • Strong relationship management skills with the ability to build credibility across leadership teams and cross-functional stakeholders.

  • Experiencepresenting toexecutive leadership and external audiences.

  • Advancedproficiencywith competitive intelligence methodologies, market research, benchmarking, and analytical tools.

  • Series 6and/or 7

  • Ability to travel as needed to support product launches,distributionpartner meetings, industry events, and other strategic business initiatives.

Preferred Qualifications:

  • Experience developing training materials, mentoring team members, orfacilitatingknowledge-sharing initiatives.

  • Knowledge of advisor behavior, consumer trends, and emerging technologies affecting the life insurance industry.

  • Experience building relationships with distributors, reinsurers, industry organizations, or strategic partners.

  • Industry designations such as CLU,ChFC, FLMI, CFP, or similar.

Securian Financial believes in hybrid work as an integral part of our culture. Associates get the benefit of working both virtually and in our offices. If you're in a commutable distance (90 minutes) you'll join us 3 days each week in our offices to collaborate and build relationships. Our policy allows flexibility for the reality of business and personal schedules.

Preferred Skills:

Influencing, Relationship Building, Strategic Thinking, Team Mentoring

The estimated base pay range for this job is:

$111,300.00 - $207,800.00

Pay may vary depending on job-related factors and individual experience, skills, knowledge, etc. More information on base pay and incentive pay (if applicable) can be discussed with a member of the Securian Financial Talent Acquisition team.


Be you. With us. At Securian Financial, we understand that attracting top talent means offering more than just a job - it means providing a rewarding and fulfilling career. As a valued member of our high-performing team, we want you to connect with your work, your relationships and your community. Enjoy our comprehensive range of benefits designed to enhance your professional growth, well-being and work-life balance, including the advantages listed here:


Paid time off:

  • We want you to take time off for what matters most to you. Our PTO program provides flexibility for associates to take meaningful time away from work to relax, recharge and spend time doing what's important to them. And Securian Financial rewards associates for their service by providing additional PTO the longer you stay at Securian.
  • Leave programs: Securian's flexible leave programs allow time off from work for parental leave, caregiver leave for family members, bereavement and military leave.
  • Holidays: Securian provides nine company paid holidays.

Company-funded pension plan and a 401(k) retirement plan: Share in the success of our company. Securian's 401(k) company contribution is tied to our performance up to 10 percent of eligible earnings, with a target of 5 percent. The amount is based on company results compared to goals related to earnings, sales and service.


Health insurance: From the first day of employment, associates and their eligible family members - including spouses, domestic partners and children - are eligible for medical, dental and vision coverage.


Volunteer time: We know the importance of community. Through company-sponsored events, volunteer paid time off, a dollar-for-dollar matching gift program and more, we encourage you to support organizations important to you.


Associate Resource Groups: Build connections, be yourself and develop meaningful relationships at work through associate-led ARGs. Dedicated groups focus on a variety of interests and affinities, including:

  • Environmental Health & Sustainability
  • Mental Wellness and Disability
  • Pride at Securian Financial
  • Securian Young Professionals Network
  • Securian Multicultural Network
  • Securian Women and Allies Network
  • Servicemember Associate Resource Group

For more information regarding Securian's benefits, please review our Benefits page.


This information is not intended to explain all the provisions of coverage available under these plans. In all cases, the plan document dictates coverage and provisions.


Securian Financial Group, Inc. does not discriminate based on race, color, religion, national origin, sex, gender, gender identity, sexual orientation, age, marital or familial status, pregnancy, disability, genetic information, political affiliation, veteran status, status in regard to public assistance or any other protected status. If you are a job seeker with a disability and require an accommodation to apply for one of our jobs, please contact us by email at Employment@Securian.com, by telephone 651-655-5522 (voice), or 711 (Relay/TTY).


Securian Financial is a drug-free workplace.


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