Jobs › COUNTRY Financial

Senior Life Underwriter

COUNTRY Financial · IL · Remote available · $77,600–$106,700 a year · Full time

Posted Sep 10, 2026 · We last checked this listing on Oct 6, 2026

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Likely interview questions for this role

Written from this job description, not a generic list. Each one notes what the interviewer is really checking.

About your past

Tell me about a time you used judgment outside of a strict guideline. How did you support your decision?

What they are checking: Whether they can make sound exceptions and document them clearly.

How do you talk with an attending physician's office to get records you need quickly?

What they are checking: Whether they can work politely and persistently with medical staff.

What would you do

A financial representative is frustrated that their client got a less favorable class than expected. How do you handle the call?

What they are checking: Whether they explain the decision with tact and suggest what could help without bending guidelines.

You have a heavy queue and several reps pushing for their cases. How do you prioritize?

What they are checking: Whether they work fairly by age and complexity and communicate status clearly.

About the work

Walk me through how you would underwrite a 52-year-old applicant with type 2 diabetes and a recent A1C of 7.8.

What they are checking: Whether they weigh control, duration, complications and other factors to reach a sound risk class.

What in an applicant's financial information would make you question the face amount they are applying for?

What they are checking: Whether they understand financial justification and the risk of over-insurance.

An applicant lists skydiving as a hobby. How does that affect your decision?

What they are checking: Whether they know how avocations are rated with flat extras or exclusions and what details to request.

When do you order more requirements, like an APS, and when do you decide you have enough to act?

What they are checking: Whether they balance thoroughness with speed and cost so cases do not stall.

How does underwriting a reinstatement application differ from a new application?

What they are checking: Whether they know what changed since issue and what evidence of insurability is needed.

How do you underwrite disability or long-term care applications differently from life?

What they are checking: Whether they understand that morbidity risk depends on different factors than mortality risk.

Practice this interview out loud.

Offer builds a real interview for this exact role at COUNTRY Financial from your resume and this job description, asks the questions one at a time, and tells you what landed. The first one is free.

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The full job description

As published by COUNTRY Financial.

Experience more with a career at COUNTRY Financial! We’re excited you’re interested in a career at COUNTRY as we strive toward our vision - to enrich lives in the communities we serve. Our footprint spans coast to coast. But more important than where we operate, is the people who do the work. Apply today to help our organization grow and make a difference for our clients. About the role Analyzes life insurance applications written by financial representatives in all sales regions and assigns the proper risk classification to them within general corporate underwriting guidelines. Reviews information concerning a proposed insureds' medical, occupational, financial, avocational and lifestyle to determine if additional information is needed to properly classify the risk; exercises judgment to approve, modify or decline new life insurance applications and reinstatement applications for life, disability and long term care insurance; assists financial representatives in determining proper application requirements and communicates on the status of each application and any additional requirements needed to place applications in the most favorable risk classification. How does this role make an impact? - Uses professionalism, tact and empathy when dealing with financial representatives, clients, medical personnel and department support when discussing a risk or facilitating the risk selection, issue and administrative process or obtaining underwriting information. - Respects and maintains the privacy of a clients' personal information disclosed in the risk appraisal process. - Consults with leadership, medical directors, reinsurers, other underwriters, and corporate personnel as required. - May develop new and competitive underwriting guidelines. Do you have what we're looking for? Typically requires 7+ years of relevant experience or a combination of related experience, education and training. #LI-Corp #LI-Remote Base Pay Range: $77,600-$106,700 The base pay range represents the typical range of potential salary offers for candidates hired. Factors used to determine your actual salary include your specific skills, qualifications and experience. Incentive Pay: In addition to base salary, this position is eligible for a Short-Term Incentive plan. Why work with us? Our employees and representatives serve nearly one million households with our diverse range of personal and business insurance products as well as retirement and investment services. We build relationships and work together to create a stronger, more secure future for our clients and our communities. We’re a big company, yet small enough you can make an impact and won’t get lost in the shuffle. You’ll have the opportunity to learn and grow throughout your career, either within this role or by exploring other areas of our business. You’ll be able to take advantage of our benefits package, which includes insurance benefits (medical, dental, vision, disability, and life), 401(k) with company match. COUNTRY Financial is committed to providing equal opportunity in all areas of employment, and in providing employees with a work environment free of discrimination and harassment. Employment decisions are made without regard to race, color, religion, age, gender, sexual orientation, veteran status, national origin, disability, or any other status protected by applicable laws or regulations. Come join our team at COUNTRY today!

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