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Strong fit if you like evidence-based risk decisions, careful reading of applications and medical detail, and consistent application of life underwriting policy for a mission-oriented financial services firm. Less fit if you prefer sales-only or purely transactional work without judgment calls.
As a Senior Life Underwriter at Thrivent Financial for Lutherans, you would assess life insurance applications by reviewing health, financial, and related risk evidence, request clarification from field reps or medical sources, and decide accept, modify, or decline. You would also check existing exposure on related risks and apply ratings or endorsements when a risk is substandard so the book stays profitable and within guidelines.
Build depth in medical and financial risk assessment, life product guidelines, documentation review, and clear written communication with field and medical partners. Practice case triage, substandard rating logic, and portfolio-level exposure checks. No certification package is supplied in the job data set.
You evaluate applicant risk from health, finances, and related factors, request more information when needed, and issue decisions that balance protection of the risk pool with fair offers.
The listing is national (United States), so location depends on Thrivent’s staffing model rather than a single city in the provided data.
Experience in insurance underwriting—especially life—plus comfort with guidelines, documentation, and field communication aligns best with the occupation tasks described on O*NET.
Public-domain labor data — prepare examples for 2–3 of these.
Sr. Life Underwriter at Thrivent Financial for Lutherans - United States About This Position This role involves underwriting complex insurance applications, evaluating insurability within guidelines, and making final decisions on individual life policies up to $2,000,000 in value. Responsibilities include risk assessment, fraud detection, and ensuring high customer satisfaction through collaboration with financial associates and consultants. Your Responsibilities Evaluate medical and non-medical history, financial requirements, and occupational classes for insurance applications. Make final underwriting decisions up to $2,000,000 in life policies and $11,000 in disability income (DI) policies. Partners with financial associates, team members, medical, and legal consultants to determine the best outcomes for members. Communicate complex information effectively, often influencing behavior through written and verbal interactions. Engage in team activities such as mentoring, training, workflow management, and quality audits. Qualifications Experience in underwriting individual life insurance policies. Knowledge of risk factors including medical history, financial requirements, and occupational classes. Ability to make case-specific decisions up to $2,000,000 in life policies and $11,000 in DI policies. Strong communication skills for complex and sensitive interactions. Potential for mentoring and quality audit completion. Working at Thrivent Financial for Lutherans Join a team committed to integrity, compassion, and financial security. Thrivent offers competitive benefits, professional growth opportunities, and a supportive work environment where your contributions are valued. Applying for This Role To apply, complete your application directly on this page, or you'll be redirected to the employer's application platform to finish submitting there.
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