Individual Disability Associate Underwriter

The Associate Disability Underwriter is responsible for exercising their discretion & using professional judgment in decision making of individual disability cases. They will use their training and experience to determine the insurability as well as premium classification primarily relating to in-force applications. The Associate Underwriter is also accountable for managing assigned work developing agency relationships and ensuring customer satisfaction at the highest level. The Disability Insurance Associate Underwriter will work with adjacent Underwriters as well as other departments including Individual Disability Service & Administration for the benefit of the facilitation of the entire underwriting and administrative process. The position requires the individual to operate in a cross-functional team environment.

You are

• A self-motivated individual driven by collaboration and dedicated to delivering exceptional customer service. You excel in managing relationships with strong interpersonal skills.

You have

• College degree and industry related education (i.e. LOMA ALU CLU) desired.
• 1 years Individual Disability Underwriting experience desired.
• Knowledge of individual disability insurance products/processes desired.
• Working medical knowledge (i.e. Medical Terminology Anatomy and Physiology and MedicalConditions) desired.
• General computer proficiency required.
• Excellent analytical skills; written and oral communication skills and negotiation skills.
• Exceptional decision-making skills and organizational and time management skills.
  

You will

• Recognize and obtain requirements necessary in evaluating risks consistently using the global approach (a broadened view of the entire case to forecast all needs and requirements at onset) to underwriting.
• Evaluate medical financial and non-medical information as developed to determine the risk classification according to company guidelines.
• Review prior underwriting files and recognize impact they have on current underwriting.
• Communicate with the field force and home office personnel for the purpose of acquiring necessary information solving problems and conveying decisions in a polite confident and professional manner.
• Consult with Medical Director and Mentors and/or senior underwriting staff for the purpose of resolving complex medical and non-medical histories.
• Interpret underwriting policy and implement established guidelines department procedures and compliance directives.
• Explain Guardian product information risk classification and underwriting action to peers and field force.
• Work with peer underwriting staff support personnel and adjacent departments to facilitate the entire selection issue and administrative process.
• Negotiate appeals of underwriting actions with general agents agents and agency personnel.
• Evaluate risk involved in reinstatements and other policy change requests as required.
• Review interpret and record Medical Information Bureau codes in accordance with established MIB guidelines.
• Communicate actions with our proposed policyholders.
• Participate in on-going training and development offerings to enhance customer service and underwriting in support of a high-performance culture.

Location
The primary location for this position is remote with an at home work arrangement but the successful candidate must be able to come on campus at any time.

Travel
Youll be expected to travel to a Guardian work location annually or as determined by your manager.

Salary Range:

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 addition to salary this role may also be eligible for annual sales or other incentive compensation.

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.

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. Explore our company benefits at 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.

Accommodations

Guardian is committed to providing access equal opportunity and reasonable accommodation for individuals with disabilities in employment its services programs and activities.Guardian also provides reasonable accommodations to qualified job applicants (and employees) to accommodate the individuals known limitations related to pregnancy childbirth or related medical conditions unless doing so would create an undue hardship. 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 .

Current Guardian Colleagues: Please apply through the internal Jobs Hub in Workday.