Long-Term Care Underwriting Manager

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Long-Term Care Underwriting Manager based in the United States.

The Long-Term Care Underwriting Manager will play a key role in assessing and managing risk for life insurance and long-term care (LTC) hybrid products. This position is responsible for ensuring accurate risk classification, consistent underwriting decisions, and compliance with established guidelines and procedures. You will apply extensive underwriting expertise to evaluate complex cases and ensure decisions align with mortality and morbidity pricing standards. With significant decision-making authority, you will assess applications, determine appropriate risk ratings, and make decisions within defined approval limits. You will also collaborate with internal and external stakeholders, support the professional development of underwriting teams, and contribute to continuous improvement. This fully remote opportunity offers the chance to influence underwriting quality and help deliver long-term financial protection solutions.

Accountabilities

As a Long-Term Care Underwriting Manager, you will oversee risk evaluation and underwriting decisions while ensuring consistency, accuracy, and compliance across assigned products. Your responsibilities will include:

• Evaluating and classifying risks for life insurance and long-term care hybrid products.

• Making underwriting decisions, including postponing, declining, or assigning substandard ratings within established approval authority limits.

• Ensuring all underwriting decisions align with published guidelines, procedures, and mortality and morbidity pricing requirements.

• Processing underwriting cases using established operating systems and workflows.

• Validating underwriting decisions in collaboration with internal teams and external partners.

• Maintaining compliance with applicable underwriting standards and operational procedures.

• Participating in continuing education activities to strengthen technical expertise and remain informed about industry developments.

• Attending relevant industry events to maintain professional knowledge and awareness of emerging trends.

• Mentoring, advising, and consulting with other underwriting professionals to promote knowledge sharing and consistent decision-making.

Requirements

The ideal candidate is an experienced underwriting professional with strong technical knowledge of life insurance and long-term care products, sound risk assessment capabilities, and the ability to guide and support other team members. The following qualifications are expected:

• Bachelor's degree (BA or BS) or equivalent college-level qualification.

• At least 10 years of professional experience in life insurance or long-term care underwriting.

• Established underwriting approval authority for life insurance cases of at least $5 million and LTC combination products of at least $1 million.

• Strong understanding of underwriting guidelines, risk classification, and mortality and morbidity considerations.

• Ability to assess complex cases and make sound, well-documented underwriting decisions.

• Excellent analytical, problem-solving, and decision-making skills.

• Strong communication and collaboration skills when working with internal and external stakeholders.

• Ability to mentor colleagues and provide technical guidance to underwriting teams.

• Completion of at least one relevant industry designation, such as FLMI or FALU, is preferred.

• Experience or training in EKG interpretation is considered a strong advantage.

• Ability to work fully remotely within the United States, with occasional in-person attendance at offices in California, Indiana, or Maine as required for business needs or team collaboration.

• Candidates must be able to meet applicable background screening requirements associated with the position.

Benefits

• Annual salary: $95,000–$130,000, depending on education, experience, geographical location, and other relevant factors.

• Eligibility for an annual incentive program in addition to base salary.

• Fully remote working arrangements.

• Medical, prescription, dental, and vision insurance.

• Health Savings Account (HSA) and Flexible Spending Accounts (FSA).

• Paid Time Off (PTO).

• 10 weeks of fully paid parental leave after 12 months of employment.

• 401(k) retirement plan with employer matching contributions.

• Pension plan.

• Company-paid life and disability insurance.

• Wellness program and company-funded employee assistance program.

• Access to employee clinics, depending on location, including Indianapolis, Charlotte, and Cincinnati.

• Comprehensive benefits generally available to full-time and part-time employees working at least 30 hours per week.

How Jobgether works: We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team. We appreciate your interest and wish you the best!  Why Apply Through Jobgether?    Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.     #LI-CL1