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Brokerage Life Underwriter
Brokerage Life UnderwriterBUI • St. Louis, MO, United States
Brokerage Life Underwriter

Brokerage Life Underwriter

BUI • St. Louis, MO, United States
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In this role, you will help financial professionals and insurance carriers reach favorable underwriting solutions through :

  • Expert medical, financial, and avocational underwriting consultation to teammates and financial advisors.
  • Managing case capacity considerations, health, and financial justification factors throughout the underwriting process.
  • Effective negotiation with insurance carrier underwriters.
  • Strong support from your BUI teammates to thrive in your role, including one-on-one mentorship and access to various educational training opportunities.

What You'll Do

Preliminary (Informal) Underwriting

  • Provide preliminary assessments before submitting to the insurance carrier.
  • Help Advisors determine which carriers are most likely to approve the case and at what rate class.
  • Review underwriting data (medical records, lab results, financial reports and other data) to evaluate risk and audit carrier categorization of applicants into risk classes (e.g., Preferred, Standard, Substandard).
  • Help smooth out communication, clarify requirements, and push cases forward.
  • Have in-depth knowledge of multiple carriers’ underwriting guidelines.
  • Recommend the best fit for tough or impaired-risk cases.
  • Help place more cases by improving the chances of case approvals.
  • Provide strategies on how to structure the case for best underwriting outcomes.

    • Who We’re Looking For

  • Skilled communicator with excellent interpersonal abilities.
  • 5+ years of life insurance underwriting experience.
  • Strong familiarity with impaired risk cases and carrier-specific niches.
  • Self‑motivated and proactive with a strong drive for results.
  • Highly organized and disciplined with a structured approach to work.
  • FALU, FLMI, CLU, life insurance license and other industry certifications a plus.

    • About BUI

    BUI is a premier wholesale distributor of life insurance, long‑term care insurance, and annuities. We work exclusively with financial professionals—financial advisors, career agents, CPAs, employee benefits advisors, and property & casualty agents—helping them deliver top‑tier wealth protection and transfer solutions to their clients.

    Through access to industry‑leading carriers, cutting‑edge technology, and a team of advanced planning specialists, BUI empowers advisors to provide high‑quality solutions tailored to their clients’ needs.

    Why Join BUI?

    At BUI, we believe in :

  • ✅ Client‑First Thinking – Every recommendation prioritizes the clients’ best interests.
  • ✅ Exceeding Expectations – We set high standards and consistently deliver exceptional service.
  • ✅ Accountability & Autonomy – We take responsibility for outcomes and work independently to meet our commitments.
  • ✅ Professionalism & Collaboration – We succeed together by fostering strong partnerships and delivering expert guidance.
  • ✅ Structured & Organized Execution – Our methodical approach ensures consistency, efficiency, and reliability.

    • What We Offer

  • 📚 Numerous Additional Voluntary Benefit Plans
  • 💼 Retirement Plan with Generous Company Match (vested on day one)

    • Ready to Join a Winning Team? If you are a motivated professional looking to build meaningful relationships and make an impact on the financial services industry, apply today!

    Seniority Level : Mid‑Senior level | Employment Type : Full‑time | Job Function : Finance and Sales | Industries : Insurance

    Location : St Louis, MO | Salary Range : $98,500 - $215,000

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    Life Underwriter • St. Louis, MO, United States

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