We are looking for an experienced and versatile Senior Insurance Agent with a decade of hands-on experience in underwriting Property & Casualty, Life, Health, and Term Life insurance. The ideal candidate will bring a balance of technical risk assessment skills, regulatory knowledge, and client-focused judgment, developed over years of working with insurance brokerages and financial institutions.

Key Responsibilities:

• Analyze & assess risks in P&C, Life, Health, and Term Life lines.
• Determine pricing and recommend coverage based on risk exposure, underwriting policies, and regulatory frameworks.
• Work closely with insurance agents, brokers, and sales teams to obtain required information and communicate underwriting decisions clearly.
• Lead cross-functional teams to deliver integrated solutions to clients.

• Apply industry knowledge and market trends to adjust underwriting strategies to improve risk selection and profitability.
• Develop and maintain productive relationships with key clients, reinsurance partners, and internal stakeholders.
• Participate in audit reviews, process improvement initiatives, and product development discussions.
• Mentor junior underwriters and assist with training on underwriting guidelines and tools.

Qualifications:

• Bachelor's degree in Insurance, Finance, Business, or a related field.
• 10+ years of underwriting experience across multiple lines: Property & Casualty, Life, Health, and Term Life.
• Demonstrated expertise in risk evaluation, pricing models, and claims forecasting.
• Strong working knowledge of insurance regulations and compliance in the U.S. market.
• Proficient with underwriting platforms, CRM systems, and analytics tools.
• Excellent interpersonal and negotiation skills with proven experience in client-facing roles.

Preferred Certifications:

• P&C License
• LOMA, AALU, or related life and health certifications
• State insurance licensing (a plus)