Senior Life Underwriting ConsultantProvidence, RI

About Specialty Program Group:

Our goal is to partner with industry-leading specialty businesses to provide them with the ability to achieve their goals and optimize their businesses. Specialty Program Group offers access to capital and investment, deep carrier relationships, creative thinking, product development and broad distribution, while allowing our businesses to maintain the essence of what makes them successful. Specialty Program Group delivers leading-edge specialty expertise backed by transformative digital capabilities and sophisticated data and analytics.

About BSMG

Founded in 1972, Brokers’ Service Marketing Group is a nationally recognized insurance brokerage firm. BSMG is a nationally recognized leader in the life insurance and annuity distribution business. Our clients are insurance professionals, financial advisors, and financial institutions. We have built a reputation as an industry leader that delivers service excellence, doing what’s best for the customer and for fair dealing. Our dynamic team of internal sales specialists works closely with our marketing department and cutting-edge technology to locate highly qualified prospects and turn them into lifelong clients.

BSMG is a team of people striving to create memorable experiences, every day. We believe that acting as a fiduciary to the policy holder, providing service excellence and being passionate about what we do every day (even having fun) are all keys to our differentiated business model. We are a trusted resource and partner to thousands of financial advisors, as well as banks, broker dealers and producer groups. BSMG has strong relationships based on mutual respect with the Nation’s leading insurance carriers. BSMG has developed a stellar industry reputation over the past 4 + decades with all of our carrier partners as well as those with whom we do business. BSMG is a dynamic, exciting place to work – being recognized as one of the Best Places to Work in RI in 2019, 2020, and 2021, as well as receiving a Worksite Health Award (superior rating).

Job Summary:

We are a Brokerage General Agency seeking an experienced life insurance underwriter with exceptional critical thinking and negotiation skills as well as the ability to build strong relationships with clients, agents, sales partners, and carrier underwriters. This individual will work closely and collaborate with the Director of Risk Appraisal in the promotion of Risk Differentiation Underwriting Strategies (RDU) to favorably position client profiles based on size, producer criteria, and case design. An essential skillset for this role is to understand and demonstrate the connection between underwriting, product and the sales process. You will work directly with our sales team from the time of a potential opportunity through placement of a case. This position has a direct impacting on the growth of the company and its entities, as well as impact the client’s ability to secure coverage with the right carrier at the right premium based on their unique medical history profile as learned via consultation with the client, producer, and client’s medical team.

Job Functions

  • Reviews insurance case files from case management team, as applicable

  • Reviews insurance case files from SPG advisors and clients

  • Summarizes, organizes, and presents case files to home office underwriters

  • Communicates and negotiates with home office underwriters

  • Communicates with proposed insured and their team of physicians, as necessary

  • Supports case management staff on select aspects of risk selection

  • Collaborates and partners with sales team and broker to understand the case design and client needs

  • Participates in presentations to prospective and existing clients, both individual and corporate

  • Responsible for all “quick quote” and “summary” submissions to insurance carrier

  • Conducts educational workshops for SPG staff on risk selection topics

  • Attends and participates in sales meetings, as necessary


  • Bachelor’s degree is required

  • Minimum of 8-10 years of Life underwriting experience required

  • Ability to successfully consult and negotiate with clients, carrier executives, and co-workers

  • Understand, analyze, and translate medical reports, terminology, and assessments and apply it to industry risk issues

  • Is able to work with deadlines in a high-pressure environment

  • As this is a remote position, candidate Must be a self-starter and be able to work in a collaborative team environment

Compensation and Benefits

The Senior Underwriting Consultant position receives a base salary in the range of $75,000 to $100,000 depending on experience. Your benefits will include an exceptional healthcare package, paid time off, 401(k) plan with match, and paid-group life insurance.

Bonus :

You may receive a discretionary first year bonus based on company performance. After the first year, you are eligible to receive an increasing production bonus based on individual production and company performance.


Department Underwriting

Required Experience: 7-10 years of relevant experience

Required Travel: No Travel Required

Required Education: Bachelor's degree (4-year degree)

HUB International Limited is an equal opportunity and affirmative action employer that does not discriminate on the basis of race/ethnicity, national origin, religion, age, color, sex, sexual orientation, gender identity, disability or veteran's status, or any other characteristic protected by local, state or federal laws, rules or regulations. The EEO is the Law poster and its supplement is available here at

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Hi, we’re HUB.

In a rapidly changing world, we advise businesses and individuals on how to prepare for the unexpected.

When you partner with us, you're at the center of a vast network of experts who will help you reach your goals through risk services, claims management, and compliance support.

And this gives you the peace of mind that what matters most to you will be protected — through unrelenting advocacy and tailored insurance solutions that put you in control.

About HUB International

Headquartered in Chicago, Illinois, HUB International Limited (HUB) is a leading full-service global insurance broker providing property and casualty, life and health, employee benefits, investment and risk management products and services. From offices located throughout North America, HUB’s vast network of specialists provides peace of mind on what matters most by protecting clients through unrelenting advocacy and tailored insurance solutions. For more information, please visit