Legal & General America Underwriting Consultant in Frederick, Maryland

To select risks profitable to the Company while promoting a competitive offer for the agent and equitable results for the applicant. Review, analyze and classify new business, change and reinstatement applications, trial applications and inquiries in a timely and accurate manner. Leverage experience to assist in the development of less experienced underwriters. Be a trusted member of team for broker/partners. Be viewed as a leader and "Go To" person by teammates. Act as a referral underwriter for less experience underwriters.

  • Review life insurance applications within the limits of authority, including all underwriting requirements and other evidence of insurability to determine acceptability and to detect and deter attempts to defraud the company.

  • Order only additional requirements which are appropriate and necessary for the assessment of the risk.

  • Make appropriate decisions on cases within approval authority. Through the referral process, recommend specific course or action or final decision on applications which are outside approval authority or where the complexity exceeds the individual experience level.

  • Maintain favorable relationships with the field. Communicate with broker/partners the company position/decision on cases in a positive empathetic manner so as to foster confidence in the decision and encourage future business from the distribution system. Provide counsel and advice to agency offices regarding submission and placement of business.

  • As required, communicate with reinsurers on cases

  • Underwriting Approval Authority:

Preferred Plus, Preferred and Standard: $3,000,000

Substandard (Table 6): $1,000,000

Substandard (Table 7 – Table 12) $ 500,000

Handling/Workup Authority: $5,000,000

Increases in approval and/or handling limit are granted at the discretion of management

  • Meet or exceed productivity and quality guidelines established by the department or team.

  • Assist the immediate manager with any special departmental projects at her/his direction.

  • Provide members of management with information and possible solutions regarding issues which affect the team, its agencies, or the department as a whole.

  • Make suggestions regarding the increasing of approval authority or additional training of underwriters who refer cases.


BS/BA degree or applicable experience with Industry coursework (LOMA, CLU, and/or ALU)


8-15 years of underwriting experience including large case underwriting and substandard cases


PC knowledge-- ability to create, edit, save, retrieve, and print documents from word processing and/or spreadsheet software

Sound communication skills

Reports To

Underwriting Manager or Vice President


Home office or Remote

Job Title (External Posting): Underwriting Consultant

Job ID: 2018-1945

External Company Name: Legal and General America, Inc.

External Company URL:

Street: 3275 Bennett Creek Ave