Senior Underwriter

POSTED ON 1/27/2023 AVAILABLE BEFORE 7/25/2023
Guardian Life Hired Organization Address Austin, TX Full Time

Job Posting for Senior Underwriter at Guardian Life

The Senior Underwrite is responsible for to provide pricing and plan design for companies with 1,000 or more lives utilizing prior claim experience and manual rates. Products include Group Dental, Vision, FMLA, STD, LTD, and Life insurance. The underwriter will possess top technical competence, the ability to learn how to underwrite new lines of coverage and the ability to deeply analyze the key drivers of insurance plan performance. The underwriter will be an excellent negotiator who builds collaborative relationships with Sales and other areas of Guardian in order to solve business issues and win. The underwriter will be both a confident communicator and an independent decision-maker.

You will

  • Recommend competitively priced products, funding arrangements, and services to meet customer requirements.

  • Determine pricing of new business and/or renewal business, including alternate plan of benefit options.

  • Communicate rate/fee development and plan design offered. Assess contract comparisons for takeover business.

  • Negotiate with sales representatives or agents/brokers to resolve rate questions and risk related concerns.

  • Handles administrative processing of cases. Utilize underwriting systems and databases for quotes, sales, renewals to track results

  • Document case decisions and underwriting rationale.

  • Effectively works as part of a regional Underwriting Team.

  • 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.

  • Participates in project work or on teams to develop or improve underwriting processes.

You have

  • 5 years of experience with Group Life, Disability and/or Dental underwriting.

  • Ability to prioritize and efficiently handle 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.)

  • 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.

  • Effective use of Word, Excel and PowerPoint applications.

Reporting Relationship

This position reports to a Manager of Large Market Underwriting.

Location

This role is remote with work from home flexibility. Travel to Guardian offices/meetings as needed.

Our Promise

At Guardian, youll have the support and flexibility to achieve your professional and personal goals. Through skill-building, leadership development and philanthropic opportunities, we provide opportunities to build communities and grow your career, surrounded by diverse colleagues with high ethical standards.

Salary Range

$64,830.00 - $120,410.00

The salary range reflected above is a good faith estimate of base pay for the primary location of the position. The salary for this position ultimately will be determined based on the education, experience, knowledge, and abilities of the successful candidate. In addition to salary, this role may also be eligible for annual, sales, or other incentive compensation.

Inspire Well-Being

As part of Guardians Purpose to inspire well-being we are committed to offering contemporary, supportive, flexible, and inclusive benefits and resources to our colleagues.

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

Justice, Equity, Diversity & Inclusion (J.E.D.I.)

  • Employee Resource Groups that advocate for inclusion and diversity

  • J.E.D.I. certification and training programs

  • Matching gifts/volunteering

Benefits apply to full-time eligible employees. Interns are not eligible for most Company benefits.

Equal Employment Opportunity

Guardian is an equal opportunity employer. All qualified applicants will be considered for employment without regard to age, race, color, creed, religion, sex, affectional or sexual orientation, national origin, ancestry, marital status, disability, military or veteran status, or any other classification protected by applicable law.

Guardian is committed to providing access, equal opportunity and reasonable accommodation for individuals with disabilities in employment, its services, programs, and activities. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact [ Email address blocked ] - Click here to apply to Senior Underwriter .

Every day, Guardian helps our 29 million customers realize their dreams through a range of insurance and financial products and services. Our Purpose, to inspire well-being, guides our dedication to the colleagues, consumers, and communities we serve. We know that people count, and we go above and beyond to prepare them for the life they want to live, focusing on their overall well-being mind, body, and wallet. As one of the largest mutual insurance companies, we put our customers first. Behind every bright future is a GuardianTM. Learn more about Guardian at guardianlife.com .

Recommended Skills

  • Administration
  • Analytical
  • Communication
  • Conflict Resolution
  • Curiosity
  • Databases

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