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Remote Life Underwriter Jobs (NOW HIRING)

AAA Life Insurance Company

Life Underwriter

Livonia, MI · On-site +1

AAA Life is seeking a Life Insurance Underwriter that will, analyze, evaluate and classify risk for ... Remote Relocation Eligibility: Not Available Position Responsibilities * Reviews for acceptance or ...

Ethos Life

Senior Life Underwriter

$77K - $136K/yr

About the role Are you a life insurance underwriter with 5+ years of experience, who is passionate ... Desire to be a team player in a dynamic environment #LI-Remote #LI-AG1 The US national base salary ...

Erie Insurance

Senior Life Underwriter

Erie, PA · On-site +1

$79K - $126K/yr

Performs life underwriting functions within an increased designated level of authority to evaluate and select risks the company will insure. Approval authority up to $3 million. Ensures that Agents ...

Erie Insurance

Senior Life Underwriter

Erie, PA · On-site +1

$79K - $126K/yr

Performs life underwriting functions within an increased designated level of authority to evaluate and select risks the company will insure. Approval authority up to $3 million. Ensures that Agents ...

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 ...

Transamerica

Sr Life Underwriter

$100K - $119K/yr

That is why we are seeking experienced individual life underwriters to join our growing team where ... Remote Environment The Salary for this position generally ranges between $79,000-$95,000 annually.

Symetra

Sr. Underwriter - Life Underwriting - Remote

$87K - $146K/yr

... Senior Life Underwriter . About the role At Symetra, we believe in empowering people to make a ... Please review Symetra's Remote Network Minimum Requirements: As a remote-first organization ...

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$78.9K

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How much do remote life underwriter jobs pay per year?

As of Jul 7, 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 are the key skills and qualifications needed to thrive in the Remote Life Underwriter position, and why are they important?

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.

What is a Remote Life Underwriter job?

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.

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? States with the most job openings for Remote Life Underwriter jobs include:
What job categories do people searching Remote Life Underwriter jobs look for? The top searched job categories for Remote Life Underwriter jobs are:
Remote Life Underwriter jobs near you
Infographic showing various Remote Life Underwriter job openings in the United States as of July 2026, with employment types broken down into 83% Full Time, and 17% Part Time. Highlights an 100% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.
Life Underwriter

Life Underwriter

AAA Life Insurance Company

Livonia, MI • On-site, Remote

Full-time

Vision, Life

Posted 4 days ago

Job description

Overview
  • AAA Life is a respected and trusted American brand that has been focusing on Life Insurance and Annuity Products since 1969. At AAA Life we have over 1.8 million policies where we take pride in earning the trust of our policyholders who understand our promise to be there for them - and their families - when we're needed most. By joining the AAA Life team, you are joining a company that genuinely cares about helping each other, with a devotion to protect the lives of those around us. We embrace a diverse, equitable, inclusive culture where all associates can feel a sense of belonging and use their unique talents and perspective to influence, innovate, motivate, and thrive.

AAA Life is seeking a Life Insurance Underwriter that will, analyze, evaluate and classify risk for life insurance applications. This underwriter will determine whether to approve, modify or decline a risk through evaluation of an individual's medical history or physical condition, occupational hazards, financial background, insurable interest and other information pertinent to the decision. Has contact with the field sales team, customers and vendors to gather information on which to base decisions. Has authority to approve cases up to specific standard and substandard limits.
Note:
  • Mortgage underwriting experience will NOT be considered
  • Call volume on average is about 4-6 calls a day. Regular late night is 1 day every other week. Friday night late nights are rotated which is about 1 per quarter.

Responsibilities
How You'll Work
Work Solution: Remote
Relocation Eligibility: Not Available
Position Responsibilities
  • Reviews for acceptance or denial, assigned life applications with face amounts up to $1,000,000 fully underwritten
  • Determines and assures that appropriate information necessary to fulfill underwriting requirements has been requested such as; re-examinations, special exams, medical reports, database research, investigations and laboratory studies
  • Strong production life underwriting experience
  • Comfort with complex casework
  • Ability to review and interpret medical records/APSs
  • Strong technical underwriting knowledge and judgment
  • Experience working directly with agents and applicants
  • Efficient but thoughtful evidence gathering (not ordering unnecessary requirements)
  • Interprets MIB codes, and prepares data and reports to the Medical Information Bureau, which involves knowledge of MIB code meanings and procedures.
  • Provide support for contract change and reinstatement underwriting that may be required.
  • Prepares presentations for underwriters or sales agents that assist with training and development.

Qualifications
• 2 year College Degree in Finance, Business or Economics
• 1-2 years' Life Insurance industry experience (sales experience or strong life insurance sales support and training)
• Knowledge of life and annuity sales strongly preferred
• Proficient in Microsoft Word, PowerPoint and Excel
• Ability to provide strong customer service
• Possesses some technology knowledge of insurance system applications and data
• Works well in a team environment
• Demonstrates proactive skills
• Willingness to work extended hours and weekends, if required
• Team player and self-starter, highly motivated, and results driven
• Ability to effectively function in a fast-paced team environment
• Demonstrates a high level of independence and creativity, and looks for opportunities to initiate and follow through on new projects and opportunities
• Strong organizational and follow-up abilities
• Ability to thrive in fast-paced challenging environment
While performing the duties of this job, the employee is frequently required to stand, walk, sit, use hands to finger, handle, or feel, talk, hear and concentrate. Specific vision abilities required by this job include close vision, distance vision, depth perception, and ability to adjust focus.
This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements. Reasonable accommodation will be made for otherwise qualified applicants as needed to enable them to fulfill these requirements.
We are committed to ensuring equal employment opportunities for all job applicants and employees. Employment decisions are based upon job-related reasons regardless of an applicant's race, color, religion, sex, sexual orientation, gender identity, age, national origin, disability, marital status, genetic information, protected veteran status, or any other status protected by law.
AAA Life Insurance Company does not offer immigration sponsorship for this position. This includes visa types such as H-1B, TN, and STEM OPT. Please do not apply if you currently require or may require employer-sponsored immigration support now or in the future.
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