Director Underwriting - Life

Are you passionate about being part of a team at a Fortune 100 company with nearly $70 billion in annual sales that delivers extraordinary care to help individuals and businesses prepare for and protect their future? If so, then Nationwide Financial could be the place for you! At Nationwide®, “on your side” goes beyond just words. Our customers and partners are at the center of everything we do and we’re looking for associates who are passionate about delivering extraordinary care.

This is a high-impact opportunity for a market-facing underwriting leader who can bring together three strengths: sophisticated technical judgment, trusted distribution relationships, and the ability to develop people. The successful candidate will help shape a focused operating model in which dedicated underwriting teams align to national brokerage relationships, build capacity around the business coming through the door, and deliver a consistent, high-touch experience to producers and business partners.

What you’ll do:

• Lead a team of life underwriters aligned to a portfolio of national BGA, brokerage, and producer relationships
• Own the relationship-level underwriting experience, partnering with distribution and internal stakeholders to understand needs, solve complex issues, and deliver sound, competitive decisions.
• Provide senior judgment on complex medical and financial underwriting, including large-case opportunities and cases that require thoughtful interpretation beyond a purely transactional or rules-based approach.
• Use production, case-mix, and capacity insights to help align talent and workflow to the needs of each relationship and face-amount segment.
• Build technical depth and confidence across the team through coaching, mentoring, feedback, and exposure to increasingly complex large-case work.
• Serve as a credible, field-facing representative of Nationwide—explaining underwriting decisions, navigating negotiations, and helping strengthen partnerships and capture market opportunity.
• Partner across sales, reinsurance, medical, operations, and underwriting leadership to support case outcomes, service excellence, risk discipline, and profitable growth.

What we’re looking for:

• Deep life underwriting expertise, with the ability to make sound decisions in complex and ambiguous situations.
• Meaningful experience handling or overseeing large-case life underwriting; experience with $10 million-plus cases is strongly preferred.
• Experience in a BGA, brokerage, broker-dealer, producer group, or similarly relationship-driven life insurance environment.
• Prior carrier experience is preferred.
• A relationship-first, sales-minded approach and the ability to confidently communicate and advocate for underwriting decisions.
• People leadership experience, including the ability to coach experienced professionals, build capability, and create meaningful career paths.
• The flexibility to use underwriting guidelines as a foundation while applying sound judgment, documenting rationale, and developing practical solutions for unique situations.
• Strong communication, negotiation, analytical, and influencing skills.

This role is open to fully remote work.

This role does not qualify for employer-sponsored work authorization. Nationwide does not participate in the Stem OPT Extension program. 

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Job Description Summary

Our underwriters work hard to provide the exceptional customer experience for which Nationwide is known. Actively engaging with our firms and financial professionals to get to know their clients and their needs builds our understanding of the market, what is needed to win business and put our best offer out first.

If you thrive working autonomously, making decisions on a variety of impactful issues and continuing to learn and adapt to grow, we want to know more about you!

As a Director, you'll lead the day-to-day operations for the Life Underwriting team within Nationwide Financials’ Life New Business organization. The team is responsible for mortality risk assessment and protecting Nationwide against sooner than expected mortality expenses, as well as morbidity risk management for long term care insurance. The Underwriter approves, modifies, or declines applications through an underwriting assessment including evaluation of medical history, occupational hazards, financial background, insurable interest and other relevant information. The business mix consists mostly of universal life, term, long term care and variable universal life. The team handles the largest mortality risks within underwriting.

Job Description

Key Responsibilities:

• Leads and provides oversight to team roles and responsibilities while creating a highly engaged culture. Forward facing; handles performance of customer satisfaction, interaction quality and relationships. Focuses on managing relationships, both internally and externally. Establishes practices for quality, production standards, relationship management, delivering on customer requests and schedule to adhere to compliance guidelines. 

• Participates in, sponsors or owns major projects, leads the activities and staff providing guidance to supporting departments on team - assists in identifying and establishing relationship management guidelines and operational improvements that advance delivery of services to customers aligned with industry and regulatory requirements. Projects often include industry wide committees and involvement of key internal and external partners.

• Hires qualified and highly engaged underwriters.  Drives a culture of coaching and feedback for personal and professional guidance. Develops talent in the organization for succession planning and handles all performance management tasks and related functions for team. Ensures associates are current and knowledgeable about the industry, competition and regulatory environment. Promotes industry training and involvement in related organizations.

• Owns the service relationships requiring a high level of technical expertise and high-touch, highly satisfied relationships are crucial for client and asset retention. Helps build and strengthen relationships through presentations, intermediaries and/or direct contact. Partners closely with Sales to ensure overall satisfaction with Nationwide. Develops staff to find ways to deepen Nationwide relationships and create additional sales opportunities for Sales partners.

• Supervises activities to ensure clients are promptly served and meets/exceeds quality standards. Responds to service issues and calls from Sales, firms, producers and customers. Works closely internal/external partners to ensure resolution. Works with various back office and internal departments to advocate for their relationships.

• Leads the implementation of all enacted state and federal regulations for products and procedures; ensuring Operations is prepared and informed of audits/regulatory/legislative changes in a timely manner. Partners with appropriate teams or individuals for the coordination of responses to regulatory matters, including system partners for data requests. Leads staff responsible for drafting regulatory agency reports and findings and works closely with the office of Corporate Compliance to resolve any issues.

• Uses outside-in approach and services as the "voice of the customer" in driving improvement opportunities. Leads the staff that takes audit recommendations and calibration sessions through the continuous improvement model. Identify key opportunities for processes and procedures to be enhanced and aligned to ensure consistency and adherence to regulatory requirements including improvements outside of their own teams. Identify key process and/or technology needs within the Operation Center.

• Manages expenses to the established budget and finds opportunities and implements solutions to streamline process and reduce operating expenses. Participates in annual budget process to ensure adequate staffing and funding for providing outstanding levels of service. Makes decisions that support those budget goals through proper staffing, requirements management, utilization of third-party services and contractors, fosters the accelerated underwriting process, and holds associates accountable to production and quality standards.

• Receives issues from field and sales partners to renegotiate the underwriting decision and is responsible for mentoring and developing the Underwriter.

• Handling up to $15,000,000 for life, up to $1,000,000 sign off for morbidity underwriting, and sign off authority for exceptions on Intelligent Underwriting.

May perform other responsibilities as assigned.

Reporting Relationships: Reports to Life Underwriting Executive. Leads 10 to 12 Underwriters.

Typical Skills and Experiences:

 
Education: Undergraduate studies in Business Administration or related field.

License/Certification/Designation: EKG Certified preferred. Professional/technical studies or designation such as the Chartered Life Underwriter (CLU), Fellow of Life Management Institute, (FLMI), or Fellow of the Academy of Life Underwriting (FALU) preferred. FALU (all AALU reqs, ALU 301, Three fellowship electives) preferred with CLU or advance sales concept training. 

Experience: More than 10 years Life Underwriting experience. More than five years of formal leadership experience.

Knowledge, Abilities and Skills: Validated technical Underwriting ability to receive, evaluate and underwrite on a medical or non-medical basis. Extensive knowledge of life underwriting risk selection, brokerage experience, and older age underwriting. Knowledge of sophisticated life underwriting policies, practices, and procedures, and life insurance underwriting techniques. Knowledge of alternative rating methods and plans and pricing theory. Knowledge of regulatory issues, life insurance market conditions, and company operations. Superior communication, teamwork and presentation skills. Superior negotiation skills and ability to partner with reinsurers and outside sales agencies/firms. Agile and adaptable. Advanced ability to take care of ambiguity in a flexible and responsive manner. Able to work with a highly technical team. Ability to coach, train and mentor underwriting personnel. Strong mentoring, coaching experience to a team with diverse levels of expertise. Ability to make decisions on highly complex issues and work with minimal direction. Excellent judgment and creative problem solving skills including conflict resolution skills. Ability to work with the brokerage distribution system. Ability to analyze highly sophisticated insurance risks to resolve acceptability including policy language, alternative rating plans, methodologies, and reinsurance. Demonstrates strong resilience and leads others through change. Cultivates an outside-in perspective; student of the industry who continuously shares findings and ideas with leadership and the team.

Other criteria, including leadership skills, competencies and experiences may take precedence. 

Staffing exceptions to the above must be approved by the hiring manager’s leader and Human Resources Business Partner.

Values: Regularly and consistently demonstrates the Nationwide Values.

Job Conditions: 

Overtime Eligibility: Exempt (Not Eligible)

Working Conditions: Normal office environment. Some travel required.

ADA: The above statements cover what are generally believed to be principal and essential functions of this job. Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of duties. 

We currently anticipate accepting applications until 11/20/2026. However, we encourage early submissions, as the posting may close sooner if a strong candidate slate is identified before the deadline.

Benefits

We have an array of benefits to fit your needs, including: medical/dental/vision, life insurance, short and long term disability coverage, paid time off with newly hired associates receiving a minimum of 18 days paid time off each full calendar year pro-rated quarterly based on hire date, nine paid holidays, 8 hours of Lifetime paid time off, 8 hours of Unity Day paid time off, 401(k) with company match, company-paid pension plan, business casual attire, and more. To learn more about the benefits we offer, click here.

Nationwide is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive culture where everyone feels challenged, appreciated, respected and engaged. Nationwide prohibits discrimination and harassment and affords equal employment opportunities to employees and applicants without regard to any characteristic (or classification) protected by applicable law.

This position could be filled within any of the lower 48 U.S. states.Smoke-Free Iowa Statement: Nationwide Mutual Insurance Company, its affiliates and subsidiaries comply with the Iowa Smokefree Air Act. Smoking is prohibited in all enclosed areas on or around company premises as well as company issued vehicles. The company offers designated smoking areas in which smoking is permitted at each individual location. The Act prohibits retaliation for reporting complaints or violations. For more information on the Iowa Smokefree Air Act, individuals may contact the Smokefree Air Act Helpline at 888-944-2247.
For NY residents please review the following state law information: Notice of Employee Rights, Protections, and Obligations LS740 (ny.gov) https://dol.ny.gov/system/files/documents/2022/02/ls740_1.pdf

NOTE TO EMPLOYMENT AGENCIES:

We value the partnerships we have built with our preferred vendors. Nationwide does not accept unsolicited resumes from employment agencies. All resumes submitted by employment agencies directly to any Nationwide employee or hiring manager in any form without a signed Nationwide Client Services Agreement on file and search engagement for that position will be deemed unsolicited in nature. No fee will be paid in the event the candidate is subsequently hired as a result of the referral or through other means.

Nationwide pays on a geographic-specific salary structure and placement within the actual starting salary range for this position will be determined by a number of factors including the skills, education, training, credentials and experience of the candidate; the scope, complexity and location of the role as well as the cost of labor in the market; and other conditions of employment. If a Sales job, Sales Incentives, based on performance goals are possible in addition to this range. Note on Compensation for Part-Time Roles: Please be aware that the salary ranges listed below reflect full-time compensation. Actual compensation may be prorated based on the number of hours worked relative to a full-time schedule.The national salary range for Director, Underwriting - Life : $138,000.00-$243,000.00The expected starting salary range for Director, Underwriting - Life : $138,000.00 - $206,000.00