Underwrites holistic complex insurance applications for multiple products by evaluating the insurability of applicants within established guidelines. All underwriting is on individual lives and no group insurance. May include complex case work including business charitable gifting estate planning and other types of advanced sales scenarios. Reviews risk factors which include medical and nonmedical history financial requirements and occupational classes (where relevant) as well as a variety of legal documents supporting the insurance applications. Makes final underwriting decision for all ages and classes within specified approval limits and according to suitability guidelines and compliance policy.
DUTIES & RESPONSIBILITIES:
- Contributes to accurate and consistent risk selection as well as fraud detection.
- Ensures high level of customer satisfaction by partnering with financial associates team members medical and legal consultants to determine the best possible outcome for members.
- Handles complex and sensitive written and verbal communications often influencing behavior via these communications.
- Actively engages in the activities of their team(s). These activities include assisting less experienced coworkers training managing workflow flexing to ensure appropriate coverage and using interpersonal skills to increase effectiveness of working relationships as well as team performance.
- Begins Mentoring and Completes quality audits on underwriters and/or underwriting support associates.
- The dollar limit for this position is minimum <$2000000.
- Decisions are generally case specific and can expose Thrivent Financial up to $2 Million risk per case
- Indepth knowledge of medical terminology and human anatomy.
- Ability to comprehend variety of medical and financial records to extract and combine relevant pieces of information to form judgment. Highlevel decisionmaking skills.
- Welldeveloped interpersonal skills written and verbal communication coaching and negotiation.
- Comfort working in a fast paced quickly changing and sometimes ambiguous environment.
- Begins actively engaging in field training and fostering relationships with our field partners.
- Models Thrivents leadership competencies courage collaboration and commitment by demonstrating resiliency working together to make the best decisions and holding yourself and others accountable.
- Supports and/or develops an environment in which Thrivent employees and colleagues are focused on continuous improvement exceptional employee engagement and an unwavering commitment to our clients. Shapes and/or supports a culture that represents the Thrivent purpose promise and values ensuring that Thrivents trust and reputation remain strong with its clients.
QUALIFICATIONS & SKILLS:
Required:
- High School Diploma or equivalent required Bachelors Degree preferred.
- Minimum of 4 years of holistic individual Life. Underwriting experience in the insurance industry with a minimum approval authority of <$2000000.
- Completion of coursework towards ACS FLMI and/or FALU designations.
- Strong customer and team focus.
- Strong PC skills.
- Broad perspective understanding of Thrivent Financial and the financial services industry.
- Ability to train and mentor others remotely and provide constructive feedback.
Pay Transparency
Thrivents longterm growth depends on attracting rewarding and retaining people who are committed to helping others thrive with purpose. We accomplish this by offering a wide variety of market competitive compensation programs to attract reward and retain top talent. The applicable salary or hourly wage range for this fulltime role is $76132.00 $103001.00 per year which factors in various geographic regions. The base pay actually offered will be determined by a variety of factors including but not limited to location relevant experience skills and knowledge business needs market demand and other factors Thrivent deems important.
Thrivent is unique in our commitment to helping people to be wise with money and live balanced and generous lives. That extends to our benefits.
The following benefits may be offered: various bonuses (including for example annual or longterm incentives); medical dental and vision insurance; health savings account; flexible spending account; 401k; pension; life and accidental death and dismemberment insurance; disability insurance; supplemental protection insurance; 20 days of Paid Time Off each year; Sick and Safe Time; 10 paid company holidays; Volunteer Time Off; paid parental leave; EAP; wellbeing benefits and other employee benefits. Eligibility for receipt of these benefits is subject to the applicable plan/policy documents. Thrivents plans/policies are subject to change at any time at Thrivents discretion.
Thrivent provides Equal Employment Opportunity (EEO) without regard to race religion color sex gender identity sexual orientation pregnancy national origin age disability marital status citizenship status military or veteran status genetic information or any other status protected by applicable local state or federal law. This policy applies to all employees and job applicants.
Thrivent is committed to providing reasonable accommodation to individuals with disabilities. If you need a reasonable accommodation please let us know by sending an email toor calland request Human Resources.
Required Experience:
Senior IC