Senior Underwriter bei Atlanta Life Insurance Company

Posting Title: Senior Underwriter
Location: Atlanta, GA  or West Des Moines, Iowa (Mostly On-Site)
Employment Type: Full-time

About Us:
For over a century, Atlanta Life has defined the principles of stakeholder capitalism and diversity, equity, and inclusion. Alonzo F. Herndon, a formerly enslaved man, founded Atlanta Life in 1905 after observing families lacking the savings to bury their lost loved ones. The company went on to become a vehicle for protection, generational financial security, and career employment for the country’s most at-risk citizens. On January 20, 2023, Atlanta Life Insurance Company was acquired by Atlanta Life Holdings, an insurance holding company founded by a group of nationally recognized African-American entrepreneurs and executives with significant financial services expertise. The new ownership group is committed to continuing Mr. Herndon’s mission and building on Atlanta Life’s century of service. Today, Atlanta Life Insurance Company serves as a benefits provider to employers and employees, a risk-transfer / risk-sharing partner, a solution for achieving Supplier Diversity and DEI goals, and a partner to the community. Atlanta Life Insurance Company’s core business is as a reinsurer of group benefits programs for corporate, government, and affinity group clients.

How You’ll Contribute:
As a Senior Underwriter, you will be a key member of the Actuarial and Product Management team, responsible for shaping and executing underwriting strategies that balance risk management, compliance, and customer experience. You will collaborate with actuarial, product development, claims, IT, vendors, and reinsurance partners to design modern, technology-driven underwriting solutions that support profitable growth and enhance client outcomes.

What You’ll Do:

• Develop, implement, and refine underwriting policies, guidelines, and best practices for life insurance products.

• Review and approve complex or high-value underwriting cases.

• Evaluate appeals, claims, and rider determinations, providing sound rationale and empathetic communication.

• Ensure compliance with regulatory requirements and evolving industry standards.

• Partner with IT, data science, reinsurers, and vendors to integrate automation and predictive analytics into underwriting workflows.

• Manage relationships with underwriting vendors to ensure service quality and continuous improvement.

• Support audits, treaty negotiations, and vendor oversight.

• Stay informed on emerging trends, medical advancements, and market changes to guide strategy.

• Contribute to an inclusive, collaborative environment by actively supporting EquiTrust’s values of Integrity, Leadership, Accountability, Teamwork, and Passion.

What You’ll Bring:

Education:

• Bachelor’s degree required.

• Preferred: Degree in Business Administration, Insurance, or Data/Predictive Analytics.

• LOMA designation or Chartered Life Underwriter (CLU) preferred 

Experience:

• Minimum 4 years of experience in life insurance underwriting with exposure to digitization and data analytics.

• At least 1 year of experience enhancing underwriting processes and working with solution vendors.

• Preferred: 7+ years of life underwriting experience with emphasis on modernization and digital transformation.

• Preferred: Experience underwriting for middle-income markets and integrating data analytics into workflows.

Knowledge, Skills, and Abilities:

• Strong communication skills—able to clearly explain decisions to diverse audiences.

• Excellent analytical and problem-solving skills with high attention to detail.

• Deep knowledge of underwriting principles, medical/financial risk assessment, and compliance requirements (MIB, HIPAA, insurable interest, anti-selection risk).

• Skilled in underwriting systems, rules engines, and digital platforms.

• Adaptability in fast-paced, evolving environments.

• Confidence in making timely, sound decisions and knowing when to escalate.

• Commitment to fostering trust, openness, and professional growth.

Physical Requirements:

• Ability to work in a professional office environment with regular use of computers and communication tools.

• Typical requirements include sitting, talking, hearing, and viewing a computer screen throughout the day.

• Occasional lifting of up to 20 lbs.

Where You’ll Work:

• Location: Atlanta, Georgia or West Des Moines, Iowa
• Work Arrangements: Mostly On-Site
• Travel Requirements: Infrequent travel (less than 5% of the time).

Total Rewards:
In addition to base pay, eligible employees may receive an annual discretionary incentive bonus and access to a competitive benefits package including: 

• Medical, Dental & Vision coverage:
• 401(k) with Company Match
• Paid time off: Vacation, Sick, Holiday, and more
• Paid Parental Leave for both Mothers and Fathers
• Hybrid/Remote Work Options
• Early Friday Closure

Atlanta Life Insurance Company is an Equal Opportunity Employer and participates in the U.S. Federal E-Verify program. Applicants have rights under federal and state employment laws. To learn more, visit EquiTrust Careers. 

#LI-SD01

#LI–HYBRID