Long-Term Care Underwriting Manager

OneAmerica Financial

. Evaluate and classify risk for Life and LTC hybrid products .

Posted 11/3/2026full-timeUnited StatesSeniorLead💰 $95,000 - $130,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in Life and LTC underwriting, including risk evaluation, compliance with underwriting guidelines, and authority in decision-making. Strong mentoring abilities and commitment to ongoing education and industry engagement are essential.

Highest-signal resume keywords

Life Underwriting ExperienceLTC Underwriting ExperienceRisk Evaluation and ClassificationApproval Authority ManagementIndustry Designations (FLMI, FALU)

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Risk EvaluationUnderwriting Guidelines ComplianceMortality and Morbidity PricingDecision ValidationEKG Interpretation

Soft Skills

MentoringConsultationCollaboration

Tools & Technologies

Operating Systems

Certifications & Qualifications

FLMIFALU

Industry Keywords

Life InsuranceLTC InsuranceUnderwriting ProceduresContinuing EducationIndustry Events

About the role

Key responsibilities & impact

Evaluate and classify risk for Life and LTC hybrid products
Ensure compliance with underwriting guidelines and procedures
Ensure accordance with mortality and morbidity pricing
Exercise authority to postpone, decline, or add substandard ratings within defined approval limits
Process work using established operating systems
Validate decisions with internal and external partners
Adhere to published underwriting guidelines and procedures
Participate in continuing education
Attend industry events
Mentor and consult with other underwriting staff members

Requirements

What you’ll need

B.A./B.S., College Degree
10+ years of experience in Life or LTC underwriting
Approval Authority: Life ≥$5,000,000; LTC Combo $1,000,000
Completion of 1 or more industry designations (FLMI, FALU, etc.) preferred
EKG interpretation/training experience ideal
Must be able to perform the essential functions of the position satisfactorily
Must undergo mandated criminal-history background checks if an offer is made
Must not work remotely from the State of New York
Must be able to physically return to the office in CA, IN, or ME as business needs dictate or for team building and collaboration

Benefits

Comp & perks

Annual incentive program
Medical & prescription insurance
Dental insurance
Vision insurance
Health Savings Account
Flexible Spending Accounts
Paid Time Off
10 weeks 100% paid parental leave after completing 12 months of employment
401(k) Plan with company match
Pension Plan
Company paid life & disability insurance
Wellness Program
Company paid employee assistance program
Clinic access subject to location