Sr. Underwriting Consultant (Charlotte, NC (Hybrid) or Remote)

Req Id:  5021

Where you’ll work:
Our flexible, hybrid work model offers the option to work remotely or in the office.

How you’ll contribute: 
As a Senior Underwriting Consultant, you’ll be responsible for assisting in the development of underwriting processes and procedures. As a team member of the Mortality Insights and Controls area, this individual will participate in research and craft guidelines, and work with vendors related to underwriting processes to maintain the agreed service levels.


In this role, you’ll get to:

  • Exercises sound underwriting business judgment.
  • Co-signs complex or unique presentations referred by less experienced underwriters.
  • Assists in setting underwriting philosophy, guidelines, procedures and requirements for mortality and morbidity risk management, including ownership and maintenance of the Brighthouse Life Operations Guide.
  • Engage in mentoring and development activities for the staff members in the department.
  • Conduct internal and external audits of associates and vendors to assess alignment with Brighthouse Life Operating Guidelines. 
  • Develop and track various work efforts to produce updates and recommendations for management review of auditing outcomes, compliance matters and educational development plans.  
  • Develop and enhance educational plans for associates within the underwriting department.
  • Routinely evaluate and monitor the compliance landscape and ensure underwriting guidelines and practices meet state and federal regulations by working with partners in impacted departments to address changes.
  • Develop and maintain strong relationships with LNB, legal, compliance, IT, product, actuarial, marketing/communications, and production underwriting to drive collaboration. 
  • Analyze underwriting intelligence to define new or updated strategies that address competitive or operational opportunities to improve customer experience, cost effectiveness and mortality/morbidity impact to underwriting.
  • Conduct competitive benchmarking and other related analyses needed to evaluate and support new underwriting strategies.
  • Partners with implementation and vendor management to evaluate new underwriting tools and opportunities.

We’re looking for people who have: 

  • At least 10 years of underwriting experience.
  • Expert level mortality and morbidity assessment.
  • Experience with the development of underwriting guidelines and staff development.
  • Experience with underwriting audit and other oversight and surveillance mechanisms
  • Prior experience reviewing state and federal regulations to ensure compliance with any changes in the law.
  • Bachelor’s degree in related field or equivalent experience.
  • Holds FALU, FLMI and/or CLU industry designations.
  • Strong written and verbal communication and influencing skills.
  • Life underwriting signature limit of $5M or greater.

Research shows some people may not apply for a role if they don’t check all the boxes of a job description. If you don’t check every box listed, that’s okay. We would love to hear from you.

What you’ll receive:

  • Compensation – Base salary ranging from $100,000 - $130,000 plus competitive performance-based incentives determined by company and individual results.
  • Flexible Work Environment – Work remotely or in the office to better thrive in all areas of life.
  • Paid Time Off – Recharge with a minimum of 20 days of paid time off and 16 paid company holidays per calendar year plus paid volunteer time and paid study time.
  • Financial Health – Work toward achieving your financial goals through our 401(k) savings plan with company match (up to 6%) and annual company nondiscretionary contribution (3%), 15% employee stock purchase plan discount, and financial counseling services.
  • Health and Wellness – Enjoy competitive medical, vision, and dental plans plus tax-free health savings accounts with potential company contributions up to $1,000 per family.
  • Family Support – Care for loved ones with up to 16 weeks of paid leave for new parents, back-up dependent care, dependent care flexible spending account, and up to a $25,000 lifetime maximum during your adoption, infertility, or surrogacy journey.
  • Life and Disability Support – Gain access to company-paid basic life insurance and short-term disability insurance.

The company and your department may occasionally gather in person throughout the year to foster a culture of belonging and promote team building. We’d love for you to join us during those company-wide and department-wide events to help you strengthen connections across the company.

Why join us?
Brighthouse Financial is on a mission to help people achieve financial security. Our company is one of the largest providers of annuities and life insurance in the U.S.,* and we specialize in products designed to help people protect what they’ve earned and ensure it lasts.


We empower employees to collaborate, bring their passion to work, and make an impact. Our inclusive work environment fosters a culture that celebrates diverse backgrounds and experiences. You can find out more about our company culture by visiting


We’re proud to be a Fortune® 500 company** and recognized as one of the Healthiest Employers of Greater Charlotte by the Charlotte Business Journal. We’re also honored to be named to Newsweek’s list of Most Trustworthy Companies in America.

* Ranked by 2022 admitted assets. Best’s Review®: Top 200 U.S. Life/Health Insurers. AM Best, 2023.
** From FORTUNE © 2023 Fortune Media IP Limited. All rights reserved. Used under license. FORTUNE and Fortune 500 are registered trademarks of Fortune Media IP Limited and are used under license. FORTUNE and Fortune Media IP Limited are not affiliated with, and do not endorse the products or services of, Brighthouse Financial.


Nearest Major Market: Charlotte

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