Senior Underwriter

The Senior Underwriter - Pricing and Plan Design Expert will be responsible for providing expert pricing and plan design for companies with lives utilizing prior claim experience and manual rates. This role will involve working with various business types, including Group Dental, Vision, FMLA, STD, LTD, Paid Leave, and Life insurance.

• Pricing and Plan Design: Recommend competitively priced products, funding arrangements, and services to meet customer requirements.
• Underwriting: Determine pricing of new business and/or renewal business, including alternate plan of benefit options.
• Communication: Communicate rate/fee development and plan design offered. Assess contract comparisons for takeover business.
• Negotiation: Negotiate with sales representatives or agents/brokers to resolve rate questions and risk-related concerns.
• Case Management: Manage administrative processing of cases. Utilize underwriting systems and databases for quotes, sales, renewals to track results.
• Documentation: Document case decisions and underwriting rationale.
• Team Collaboration: Effectively work as part of a regional Underwriting Team.
• Mentorship: Provide mentoring/coaching to help develop technical skills of others, support team growth and development initiatives. Conducts training for sales and/or underwriting staff as needed.
• Process Improvement: Participate in project work or on teams to develop or improve underwriting processes.

• Experience: 5+ years of experience with Group Life, Disability, and/or Dental underwriting.
• Skills: Ability to prioritize and efficiently manage multiple work items and due dates. Command of Underwriting tools and systems. Thorough knowledge of Group Insurance products/processes. Knowledge of local market competition and strategy (e.g., impact on claim pricing and product choices.)
• Personal Qualities: Excellent analytical and mathematical skills and ability to apply them to complex cases and issues. Ability to make decisions, solve problems, and meet challenges in completing work. Strong negotiation and conflict resolution skills. Proven ability to work independently. Excellent verbal and written communication and presentation skills.

• Health Care: Choice of [high deductible/copay] medical plans* with prescription drugs, including coverage for fertility and transgender inclusive benefits. Dental plan. Vision plan. Health care accounts - flexible spending, health reimbursement, and health savings accounts. Critical illness insurance.
• Life and Disability Insurance: Company-paid Life and Disability insurance plus voluntary supplemental coverage. Accident insurance.
• Retirement and Financial: 401(k) retirement plan with a company match, plus an annual age/service-based Company contribution and an annual profit-sharing contribution, if applicable. Complimentary 1:1 financial guidance with a licensed Fidelity representative.
• Time Off and Remote Work: Flexible work arrangements (part in-person/part remote). Unlimited paid time off for most roles plus time off for volunteering, jury duty, voting, and bereavement. Personal holidays for colleagues to use in recognition of religious, cultural, or civic days. Paid parental leave and paid family and medical leave policies.
• Emotional Well-being and Work-Life: Emotional well-being, mental health, and work/life resources powered by Spring Health. Wellness programs, including fitness program and equipment reimbursement. Child, adult, and elder back-up care support through Bright Horizons. Adoption assistance. College planning. Tuition reimbursement. Student loan assistance. Commuter benefits in select metropolitan areas.