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Life Insurance Underwriter Medical Director Jobs

FBL Financial Group

Sr. Life Underwriter

West Des Moines, IA · On-site

$96K - $114K/yr

... a medical background and/or previous experience underwriting life insurance? Are you a problem ... Medical Director, reinsurance companies and experts in other disciplines such as accounting and ...

American General Life Insurance Company

WI · On-site

$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 ...

Nationwide Mutual Insurance Company

Interprets electrocardiogram tracings received as evidence for life insurance applications. Consults with Medical Director on cases where physician input is required. Consults with Chief Underwriter ...

Zander Insurance Agency

Life Insurance Agent

Nashville, TN · On-site

$66K - $100K/yr

Conducting front-line underwriting and quoting * Serving as a subject matter expert and Guide to families * Helping clients secure term life insurance and identity theft protection Who you are: If ...

Globe Life

Be Seen First

Life Insurance Agent

Alpharetta, GA · Remote

$4.0K - $8.0K/wk

Develop and present comprehensive life insurance solutions to prospective and existing clients ... Hands on mentorship from millionaires, CEO, President, and Directors within the company for fast ...

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Life Insurance Underwriter Medical Director information

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How much do life insurance underwriter medical director jobs pay per hour?

As of Sep 12, 2026, the average hourly pay for life insurance underwriter medical director in the United States is $40.70, according to ZipRecruiter salary data. Most workers in this role earn between $38.70 and $42.55 per hour, depending on experience, location, and employer.

What does a Life Insurance Underwriter Medical Director do?

A Life Insurance Underwriter Medical Director is a physician who oversees the medical aspects of underwriting life insurance policies. They review complex medical information, evaluate risks, and provide guidance to underwriters on insurability based on applicants' health histories. Their expertise helps ensure that the company makes sound decisions regarding policy approvals, pricing, and exclusions. They may also help develop underwriting guidelines and train underwriting staff on medical issues.

What are the key skills and qualifications needed to thrive as a Life Insurance Underwriter Medical Director?

To thrive as a Life Insurance Underwriter Medical Director, you need deep clinical expertise, board certification (often in internal medicine or a related specialty), and a strong understanding of risk assessment and insurance underwriting principles. Familiarity with underwriting software, electronic medical records, and relevant regulatory guidelines is crucial. Exceptional analytical thinking, attention to detail, and effective communication skills set top performers apart in this role. These competencies ensure accurate risk evaluation, compliance, and sound decision-making critical to the financial health of insurance organizations.

How does a Life Insurance Underwriter Medical Director typically collaborate with underwriting and claims teams?

A Life Insurance Underwriter Medical Director works closely with underwriting and claims teams by providing expert medical assessments on complex applications and claims. They review medical records, interpret lab results, and offer guidance on risk assessment, helping underwriters make informed decisions. Additionally, they may conduct training sessions for staff on emerging medical trends and regulatory requirements, ensuring the team stays up to date. Effective collaboration and communication are essential, as Medical Directors often serve as the bridge between clinical knowledge and business decision-making.

What is the difference between Life Insurance Underwriter Medical Director vs Life Insurance Underwriter?

AspectLife Insurance Underwriter Medical DirectorLife Insurance Underwriter
CredentialsMedical degree, medical license, underwriting certificationsUnderwriting certifications, bachelor's degree in related field
Work EnvironmentMedical review, collaboration with underwriters, healthcare settingsRisk assessment, policy evaluation, office or remote work
Industry UsageInvolved in medical review and policy decisionsAssessing applicant risk and approving policies

The Life Insurance Underwriter Medical Director combines medical expertise with underwriting responsibilities, focusing on medical reviews and policy decisions. In contrast, the Life Insurance Underwriter primarily assesses risk based on applicant data. The Medical Director role requires medical credentials and involves medical evaluation, while the Underwriter focuses on risk analysis and policy approval.

What are popular job titles related to Life Insurance Underwriter Medical Director jobs?

For Life Insurance Underwriter Medical Director jobs, the most frequently searched job titles are:

Infographic showing various Life Insurance Underwriter Medical Director job openings in the United States as of September 2026, with employment types broken down into 1% As Needed, 77% Full Time, 15% Part Time, and 7% Contract. Highlights an 91% Physical, 1% Hybrid, and 8% Remote job distribution, with an average salary of $84,666 per year, or $40.7 per hour.

Sr. Life Underwriter

West Des Moines, IA • On-site

FBL Financial Group
Insurance Services • 1 - 5K employees
Learn more about FBL Financial Groupexternal

$96K - $114K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 28 days ago

Job description

Senior Life Underwriter
Do you have a medical background and/or previous experience underwriting life insurance? Are you a problem solver with great analytical thinking skills, as well as strong organizational skills? Are you a go-getter with high initiative, a positive attitude and a lifelong learner? If so, this Senior Life Underwriter opportunity could be a fit for you!
Who We Are: With Farm Bureau Financial Services, our client/members can feel confident knowing their family, home, cars and other property are protected. We value a culture where integrity, teamwork, passion, service, leadership and accountability are at the heart of every decision we make and every action we take. We're proud of our more than 80-year commitment to protecting the livelihoods and futures of our client/members and creating an atmosphere where our employees thrive.
What You'll Do: As a Senior Life Underwriter, you will be responsible for the total case management of all applications assigned. This position involves reviewing applications, examinations, laboratory and other test results, medical and financial records, all documents required to comply with state and federal regulations and determining suitability. Familiarity with Accelerated Underwriting and interpreting underwriting data is desirable. You will work independently, with support from the assistants, but also may consult with other underwriters, Medical Director, reinsurance companies and experts in other disciplines such as accounting and legal. As a Senior Life Underwriter, you must adhere to department policies and procedures and comply with government regulations. There are times where this role would be responsible for training our agency force in the participation of seminars, and agency or statewide meetings.
What It Takes to Join Our Team:
  • College degree or equivalent plus 5 years of life insurance experience preferred.
  • FLMI, FALU and CLU designation(s) preferred (or currently working towards).
  • Keep current with changes in the industry and risk selection.
  • Familiarity with Windows and Microsoft Office software preferred.
  • Excellent oral and written communication skills.
  • Must have life underwriting experience and/or a medical background.
  • Must be able to work from our office located in West Des Moines, IA (hybrid home/office work schedule)

What We Offer You: When you're on our team, you get more than a great paycheck. You'll hear about career development and educational opportunities. We offer an enhanced 401K with a match, low-cost health, dental, and vision benefits, and life and disability insurance options. We also offer paid time off, including holidays and volunteer time, and teams who know how to have fun. Add to that an onsite wellness facility with fitness classes and programs, a daycare center, a cafeteria, and for many positions, even consideration for a hybrid work arrangement. Farm Bureau....where the grass really IS greener!
If you're interested in joining a company that appreciates its employees, provides growth and professional development opportunities, and offers great benefits, we invite you to apply today!
Work Authorization/Sponsorship: At this time, we are not considering candidates that need any type of immigration sponsorship now or in the future, such as additional or permanent work authorization. Applicants must be currently authorized to work in the United States on a full-time, permanent basis. We are not able to sponsor now or in the future, or take over sponsorship of, an employment visa or work authorization for this role. For example, we are not considering candidates with OPT status.

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