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Remote Life Underwriter Jobs (NOW HIRING)

Globe Life

Life Insurance Underwriter

Mckinney, TX · Remote

The Life Underwriter is responsible for screening life insurance applications for selection of risks rendering an issue standard, rate, or decline disposition with the guidance of an underwriter or ...

Globe Life

Life Insurance Underwriter

Mckinney, TX · Remote

The Life Underwriter is responsible for screening life insurance applications for selection of risks rendering an issue standard, rate, or decline disposition with the guidance of an underwriter or ...

TEKsystems

Life Insurance Underwriter

Appleton, WI · Remote

$25 - $40/hr

Remote work is acceptable and preference is for full-time flexible work hours. Additional Skills ... Life underwriter with 5+ year's experience • Risk assessment skills, team player, work ...

Symetra

Sr Underwriter

$87K - $146K/yr

Symetra has an exciting opportunity to join our Life Underwriting Department as a Senior Life ... As a remote-first organization committed to providing a positive experience for both employees and ...

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Remote Life Underwriter information

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$32.5K

$78.9K

$139.5K

How much do remote life underwriter jobs pay per year?

As of Aug 18, 2026, the average yearly pay for remote 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 a remote life underwriter?

A Remote Life Underwriter evaluates life insurance applications by assessing financial, medical, and risk factors to determine eligibility and premium rates. They analyze medical records, lifestyle choices, and occupational hazards while working from a remote location. This role requires strong analytical skills, attention to detail, and knowledge of underwriting guidelines. Remote Life Underwriters often use specialized software to assess risk and communicate with agents or medical professionals. Their goal is to ensure fair and accurate life insurance decisions while minimizing risk for the insurer.

What are the key skills and qualifications needed to thrive as a remote life underwriter?

To thrive as a Remote Life Underwriter, you need a solid background in risk assessment, medical terminology, and insurance underwriting principles, often supported by a bachelor's degree and relevant work experience. Familiarity with underwriting software platforms, such as Majesco or Oracle, and certification from organizations like LOMA or the American College is highly valued. Exceptional attention to detail, strong analytical thinking, and effective written communication distinguish top performers in this remote setting. These skills and qualities are crucial for making sound underwriting decisions, ensuring regulatory compliance, and maintaining efficient collaboration in a virtual environment.

What are some common challenges faced by remote life underwriters, and how can they be addressed?

Remote Life Underwriters often encounter challenges such as staying updated with changing underwriting guidelines, managing large volumes of digital documentation, and maintaining clear communication with team members and agents. To overcome these challenges, it's important to be proactive in participating in virtual team meetings, leveraging online training resources, and using standardized digital tools to stay organized. Building strong relationships with colleagues through regular check-ins and fostering a disciplined, self-motivated work routine also help maintain productivity and job satisfaction. With the right strategies in place, remote underwriters can effectively manage their caseloads and contribute meaningfully to their organizations.

More about Remote Life Underwriter jobs

What cities are hiring for Remote Life Underwriter jobs?

Cities with the most Remote Life Underwriter job openings:

What are the most commonly searched types of Life Underwriter jobs?

The most popular types of Life Underwriter jobs are:

What states have the most Remote Life Underwriter jobs?

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Remote Life Underwriter jobs near you
Infographic showing various Remote Life Underwriter job openings in the United States as of August 2026, with employment types broken down into 87% Full Time, and 13% Part Time. Highlights an 100% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Sr. Life Underwriter (Remote)

Thrivent

Minneapolis, MN • Remote

$105K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

This job post has expired today. Applications are no longer accepted.

Thrivent rating

8.8

Company rating: 8.8 out of 10

Based on 20 frontline employees who took The Breakroom Quiz

Job description

Underwrites holistic, complex insurance applications for multiple products by evaluating the insurability of applicants within established guidelines. All underwriting is on individual lives and no group insurance. May include complex case work including business, charitable gifting, estate planning and other types of advanced sales scenarios. Reviews risk factors, which include medical and nonmedical history, financial requirements, and occupational classes (where relevant) as well as a variety of legal documents supporting the insurance applications. Makes final underwriting decision for all ages and classes within specified approval limits and according to suitability guidelines and compliance policy. The approval limit for this position is <=$2,000,000 if life, $11,000 if DI.

DUTIES & RESPONSIBILITIES: 

  • Contributes to accurate and consistent risk selection as well as fraud detection. 
  • Ensures high level of customer satisfaction by partnering with financial associates, team members, medical and legal consultants to determine the best possible outcome for members. 
  • Handles complex and sensitive written and verbal communications, often influencing behavior via these communications.
  • Actively engages in the activities of their team(s).  These activities include assisting less experienced coworkers, training, managing workflow, flexing to ensure appropriate coverage and using interpersonal skills to increase effectiveness of working relationships as well as team performance.
  • Begins Mentoring and Completes quality audits on underwriters and/or underwriting support associates.
  • The dollar limit for this position is minimum <=$2,000,000 if life, $11,000 participation limits if DI.
  • Decisions are generally case specific and can expose Thrivent Financial up to $2 Million risk per case
  • In-depth knowledge of medical terminology and human anatomy.
  • Ability to comprehend variety of medical and financial records to extract and combine relevant pieces of information to form judgment.  High-level decision-making skills.
  • Well-developed interpersonal skills – written and verbal communication, coaching and negotiation.
  • Comfort working in a fast paced, quickly changing and sometimes ambiguous environment.
  • Begins actively engaging in field training and fostering relationships with our field partners.
  • Models Thrivent’s leadership competencies – courage, collaboration, and commitment by demonstrating resiliency, working together to make the best decisions, and holding yourself and others accountable.  ​
  • Supports and/or develops an environment in which Thrivent employees and colleagues are focused on continuous improvement, exceptional employee engagement, and an unwavering commitment to our clients.  Shapes and/or supports a culture that represents the Thrivent purpose, promise and values, ensuring that Thrivent’s trust and reputation remain strong with its clients.  

QUALIFICATIONS & SKILLS:  

 Required:

  • Bachelors Degree preferred and/or 4 years of relevant experience in the insurance industry
  • Minimum 4 years of holistic individual Life (or Health for Disability Income) Underwriting experience in the insurance industry with a minimum approval authority of <=$2,000,000 if life, $11,000 if DI.
  • Completion of or progress coursework towards ACS, FLMI and/or FALU designations.
  • Strong customer and team focus.
  • Strong PC skills.
  • Broad perspective understanding of Thrivent Financial and the financial services industry.
  • Ability to train and mentor others remotely and provide constructive feedback.

Other Critical Factors

  • Bilingual Spanish/English preferred
  • Experience underwriting foreign nationals / non-U.S. persons preferred
Pay Transparency


 

Thrivent’s long-term growth depends on attracting, rewarding, and retaining people who are committed to helping others thrive with purpose. We accomplish this by offering a wide variety of market competitive compensation programs to attract, reward, and retain top talent. The applicable salary or hourly wage range for this full-time role is $77,655.00 - $105,061.00 per year, which factors in various geographic regions. The base pay actually offered will be determined by a variety of factors including, but not limited to, location, relevant experience, skills, and knowledge, business needs, market demand, and other factors Thrivent deems important.


 

Thrivent is unique in our commitment to helping people to be wise with money and live balanced and generous lives. That extends to our benefits.


 

The following benefits may be offered: various bonuses (including, for example, annual or long-term incentives); medical, dental, and vision insurance; health savings account; flexible spending account; 401k; pension; life and accidental death and dismemberment insurance; disability insurance; supplemental protection insurance; 20 days of Paid Time Off each year; Sick and Safe Time; 10 paid company holidays; Volunteer Time Off; paid parental leave; EAP; well-being benefits, and other employee benefits. Eligibility for receipt of these benefits is subject to the applicable plan/policy documents. Thrivent’s plans/policies are subject to change at any time at Thrivent’s discretion.


 

Thrivent provides Equal Employment Opportunity (EEO) without regard to race, religion, color, sex, gender identity, sexual orientation, pregnancy, national origin, age, disability, marital status, citizenship status, military or veteran status, genetic information, or any other status protected by applicable local, state, or federal law. This policy applies to all employees and job applicants.

Thrivent is committed to providing reasonable accommodation to individuals with disabilities. If you need a reasonable accommodation, please let us know by sending an email to human.resources@thrivent.com or call 800-847-4836 and request Human Resources.

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