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You are
A leader who excels at balancing operational discipline with innovation. You inspire underwriters to embrace analytics and modern tools, coach for judgment and consistency on complex cases, and collaborate across product, distribution, and technology teams to improve turnaround time, mortality outcomes, and customer satisfaction.
You have
Required Qualifications
Extensive life underwriting expertise, including authority to adjudicate complex, high-value cases and provide guidance on escalated decisions.
Minimum 5 years of life underwriting experience, with demonstrated ability to lead teams and manage complex case decisions.
Working knowledge of automated underwriting platforms and programs (e.g., Random Holdouts (RHO), Post-Issue Audits (PIA)); experience managing quality control.
Strong communication and stakeholder management skills; ability to collaborate with reinsurers and vendors.
Demonstrated ability to foster a collaborative team culture while coaching underwriters to build digital fluency and confidently adopt new tools and workflows.
Commitment to ethical decision-making, regulatory compliance, and sustainable practices.
Preferred Qualifications
Experience using advanced analytics and visualization tools to monitor underwriting performance, uncover patterns, and inform continuous improvement initiatives.
Familiarity with Electronic Health Record (EHR) data, GenAI-enabled tools, and behavioral economics concepts applicable to underwriting.
You will
Provide expert judgment and oversight on highly complex and escalated cases, ensuring consistency with underwriting guidelines and mortality objectives; manage facultative referrals when appropriate.
Oversee complex case adjudication during peak volumes, ensuring accuracy and consistency while promoting the use of analytics and modern underwriting platforms.
Lead and develop a team of underwriters, set daily priorities, and ensure service-level adherence, consistency, and quality.
Leverage analytics dashboards to track mortality, placement, cycle time, and referral rates; implement targeted improvements.
Pilot and validate new underwriting technologies and vendor solutions; document business cases and measure outcomes.
Coach, develop, and upskill underwriters in analytical thinking, digital tools, and customer-centric practices.
Negotiate appeals with the use of professional judgment, industry knowledge & business sense to go outside the established company guidelines in order to make determinations on requests for formal changes to official decisions made previously by Life Underwriters, Senior Life Underwriters, & Life Underwriting Specialists
Communicate with the field force and home office personnel for the purpose of acquiring necessary information, solving problems, and conveying decisions in a polite, confident, and professional manner
Salary Range:
$94,840.00 - $155,800.00 The salary range reflected above is a good faith estimate of base pay for the primary location of the position. The salary for this position ultimately will be determined based on the education, experience, knowledge, and abilities of the successful candidate. In addition to salary, this role may also be eligible for annual, sales, or other incentive compensation.
Our Promise
At Guardian , you’ll have the support and flexibility to achieve your professional and personal goals. Through skill-building, leadership development and philanthropic opportunities, we provide opportunities to build communities and grow your career, surrounded by diverse colleagues with high ethical standards.
Inspire Well-Being
As part of Guardian ’s Purpose – to inspire well-being – we are committed to offering contemporary, supportive, flexible, and inclusive benefits and resources to our colleagues. Explore our company benefits at . Benefits apply to full-time eligible employees. Interns are not eligible for most Company benefits.
Equal Employment Opportunity
Guardian is an equal opportunity employer. All qualified applicants will be considered for employment without regard to age, race, color, creed, religion, sex, affectional or sexual orientation, national origin, ancestry, marital status, disability, military or veteran status, or any other classification protected by applicable law.
Accommodations
Guardian is committed to providing access, equal opportunity and reasonable accommodation for individuals with disabilities in employment, its services, programs, and activities. Guardian also provides reasonable accommodations to qualified job applicants (and employees) to accommodate the individual's known limitations related to pregnancy, childbirth, or related medical conditions, unless doing so would create an undue hardship. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact . Please note: this resource is for accommodation requests only. For all other inquires related to your application and careers at Guardian , refer to the Guardian Careers site.
Visa Sponsorship
Guardian Life is not currently or in the foreseeable future sponsoring employment-based visas (e.g., such as an H-1B). In order to be a successful applicant, you must be legally authorized to work in the United States, without the need for employer sponsorship/support now or at any time in the future.
Notice Regarding Guardian ’s Use of Artificial Intelligence in Recruitment
As part of Guardian ’s job application process, Guardian may use artificial intelligence tools (“AI Tools") to automate the sorting and filtering of information provided by applicants as part of its preliminary screening. This preliminary screening may be used to help identify applicant materials and resumes relative to their indication that the applicant meets the requirements for the specific job for which they are applying, as specified in the listing posted on Guardian ’s jobs website (Careers at Guardian at At Guardian , we do not use AI Tools to substantially assist or replace human judgment or discretionary decision making in our hiring process. All hiring decisions will be made by Guardian colleagues.
Please be aware that if you apply for a specific position with Guardian , you will have the choice of opting out of Guardian ’s use of AI Tools during the job application process. If you would like to request an alternative process that does not utilize AI Tools or would like to request a reasonable accommodation, within ten business days of your position application, you must email your request to , making sure to provide your name and job requisition identification number. Guardian will retain your applicant materials and resume and all information therefrom in accordance with Guardian ’s document retention policy, a copy of which you may request via .
Additionally, at applicable times, Guardian will make public the most recent bias audit results for such AI tools, which may be found here.
Current Guardian Colleagues: Please apply through the internal Jobs Hub in Workday.