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Sr. Life Underwriter (Remote)

    • Remote (United States)
  • Operations
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Underwrites holistic, complex insurance applications for multiple products by evaluating the insurability of applicants within established guidelines. All underwriting is on individual lives and no group insurance. May include complex case work including business, charitable gifting, estate planning and other types of advanced sales scenarios. Reviews risk factors, which include medical and nonmedical history, financial requirements, and occupational classes (where relevant) as well as a variety of legal documents supporting the insurance applications. Makes final underwriting decision for all ages and classes within specified approval limits and according to suitability guidelines and compliance policy. The approval limit for this position is <=$2,000,000 if life, $11,000 if DI.


  • Contributes to accurate and consistent risk selection as well as fraud detection. 
  • Ensures high level of customer satisfaction by partnering with financial associates, team members, medical and legal consultants to determine the best possible outcome for members. 
  • Handles complex and sensitive written and verbal communications, often influencing behavior via these communications.
  • Actively engages in the activities of their team(s).  These activities include assisting less experienced coworkers, training, managing workflow, flexing to ensure appropriate coverage and using interpersonal skills to increase effectiveness of working relationships as well as team performance.
  • Begins Mentoring and Completes quality audits on underwriters and/or underwriting support associates.
  • The dollar limit for this position is minimum <=$2,000,000 if life, $11,000 participation limits if DI.
  • Decisions are generally case specific and can expose Thrivent Financial up to $2 Million risk per case
  • In-depth knowledge of medical terminology and human anatomy.
  • Ability to comprehend variety of medical and financial records to extract and combine relevant pieces of information to form judgment.  High-level decision-making skills.
  • Well-developed interpersonal skills – written and verbal communication, coaching and negotiation.
  • Comfort working in a fast paced, quickly changing and sometimes ambiguous environment.
  • Begins actively engaging in field training and fostering relationships with our field partners.
  • Models Thrivent’s leadership competencies – courage, collaboration, and commitment by demonstrating resiliency, working together to make the best decisions, and holding yourself and others accountable.  ​
  • Supports and/or develops an environment in which Thrivent employees and colleagues are focused on continuous improvement, exceptional employee engagement, and an unwavering commitment to our clients.  Shapes and/or supports a culture that represents the Thrivent purpose, promise and values, ensuring that Thrivent’s trust and reputation remain strong with its clients.  



  • High School Diploma or equivalent required, Bachelors Degree preferred.
  • Minimum of 4 years of holistic individual Life Insurance Underwriting experience in the insurance industry with a minimum approval authority of <=$2,000,000 if life, $11,000 if DI.
  • Health for DI nice to have.
  • Completion of coursework towards ACS, FLMI and/or FALU designations nice to have.
  • Strong customer and team focus.
  • Strong PC skills.
  • Broad perspective understanding of Thrivent Financial and the financial services industry.
  • Ability to train and mentor others remotely and provide constructive feedback.

Thrivent provides Equal Employment Opportunity (EEO) without regard to race, religion, color, sex, gender identity, sexual orientation, pregnancy, national origin, age, disability, marital status, citizenship status, military or veteran status, genetic information, or any other status protected by applicable local, state, or federal law. This policy applies to all employees and job applicants.

Thrivent is committed to providing reasonable accommodation to individuals with disabilities. If you need a reasonable accommodation, please let us know by sending an email to  or call 800-847-4836 and request Human Resources.


Sr. Life Underwriter (Remote)


Our DEI Perspective

At Thrivent, we know our organization is strengthened when we have a diverse team that reflects our clients and builds on the diverse perspectives of others.

We believe that humanity thrives when people make the most of all they've been given, which includes our history, heritage, individual and collective experiences. Take a moment to pause with us, reflect on where Thrivent is at in our DEI journey and look forward to the future in anticipation of great things to come.

Read our Diversity, Equity & Inclusion Report

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