ZipRecruiter

Log In

2

Remote Life Underwriter Jobs (NOW HIRING)

Foresters Financial

Senior Underwriter

$71K - $104K/yr

... life insurance application using universally recognized underwriting principles by evaluating ... LI-Remote Salary Range: $71,500 - $104,500 USD * Travel to Head Office, Toronto, Ontario, Canada ...

Bestow, Inc

Underwriter

Dallas, TX · On-site +1

$72K - $85K/yr

ABOUT BESTOW Life insurance is one of the world's most important products. It's also one of the ... Bestow offers flexible remote/hybrid work, meaningful benefits, equity, and substantial growth ...

next page

Showing results 1-20

People also search for

All JobsLife Underwriter JobsRemote Life Underwriter Jobs

Remote Life Underwriter information

See salary details

$32.5K

$78.9K

$139.5K

How much do remote life underwriter jobs pay per year?

As of Jun 8, 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 May 2026, with employment types broken down into 25% As Needed, 50% Part Time, and 25% Contract. Highlights an 95% Physical, 2% Hybrid, and 3% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Senior Underwriter

Foresters Financial

Remote

$71K - $104K/yr

Full-time

Posted 26 days ago

Job description

Career Opportunity
Role Title
Senior Underwriter
Purpose of role
The Senior Underwriter is responsible for underwriting life insurance application using universally recognized underwriting principles by evaluating health, financial, lifestyle and other risk factors to determine the appropriate underwriting rate class, while managing and maintaining service levels and acceptable mortality results. The incumbent will work closely with and establish strong relationships with company stakeholders including New Business, Actuarial, Claims, and Distribution.
Job Description
Key Responsibilities
  • Review insurance application files for new business, reinstatements and coverage change requests
  • Establish and maintain effective relationships with producers, including communicating the underwriting decision
  • Balance investigative costs for tests/assessments versus risk management requirements to make informed underwriting decisions and determine steps to be taken to fully evaluate the application, including identifying additional required information and/or professional resource assessment reports
  • Order required medical tests/assessments, as required. Arrange for any additional required assessments from professional resource contacts and contact the producer to obtain missing application information
  • Research, interpret and analyze information relevant to the application, including product details, legislation, rate manuals, medical/drug reference books, applicant insurance history, motor vehicle reports and other relevant sources. Access (decode) confidential medical information related to the applicant through the Medical Information Bureau (MIB)
  • Efficiently document the applicant file on the Underwriting systems as additional information is received. Code and enter data from received medical reports to the information system
  • Complete a full underwriting assessment of the application following the receipt and review of all required information, considering potentially competing factors such as new/increased business income to Foresters versus risk of significant financial loss. Consult with Chief Underwriter as required on complex underwriting issues
  • Finalize the underwriting decision within approval limits as assigned by the Chief Underwriter, carefully distinguishing standard from preferred and preferred plus risks, and authorize issues of the new or revised insurance certificate for approval applications
  • Initiate processes to refer application files for reinsurance as required
  • Compose related correspondence to members/producers related to the information required to assess the application with appropriate reconsiderations, where possible; advisory letters to the member and producer regarding the approval/decline of the application, letters containing confidential medical information to the applicant's physician related to a decline decision
  • Participate in the research, review and analysis of underwriting related legislation and regulations, and current underwriting issues and trends, and participate in the review and development of new/revised underwriting policies, procedures, systems and standards as assigned by the Chief Underwriter
  • Work with the Medical Director on cases as required
  • Other projects and duties as assigned

Key Qualifications
  • A minimum of five (5) plus years of underwriting experience
  • Achieved AALU and working towards FALU/FLMI designations
  • Strong medical and financial underwriting knowledge
  • Experience with simplified issue and final expense type products
  • Strong knowledge of underwriting theory, principles, methods, systems, processes and standards attained from Part One of the Academy of Life Underwriting program and underwriting experience
  • Consultation skills to make consistent and appropriate underwriting decisions within Foresters policies and standards
  • Consultation and communication skills to request information from a broad range of resources/professionals as required
  • Knowledge of the interpretation and application of underwriting legislation and regulations across the US
  • Knowledge of the Foresters purpose, goals and objectives to ensure compliance of decisions with Foresters policies and standards
  • Ability to learn and understand in detail, Foresters insurance products and contact provisions to review and assess applications in order to make effective underwriting decisions

LI-Remote
Salary Range:
$71,500 - $104,500 USD
  • Travel to Head Office, Toronto, Ontario, Canada will be required.

Salary Range:
$71,500.00 - $104,500.00
The actual base salary for this position will depend on several factors, including job-related skills, experience, and education. In addition to base pay, eligible employees may participate in a discretionary variable incentive plan, results are subject to both individual and company performance.
Please note that this posting is intended to fill an existing vacancy; however, there may be instances where more than one vacancy is available for the same role.
Equal Opportunity Employment and Inclusion - at Foresters Financial, we are committed to sustaining an equal opportunity environment for all job applicants. We embrace Inclusion, Diversity and Equity (IDE) as a core strategic objective for building strong, innovative teams in which all our employees can show up wholly and authentically as themselves.
Foresters Financial strives to provide an accessible candidate experience for prospective employees with different abilities. If you anticipate needing any type of accommodations during the recruitment process, please email accommodations@foresters.com in advance of your appointment.
Thank you for choosing Foresters. Only those candidates who will be selected for further consideration will be contacted by our Talent Acquisition Team.

Apply