Senior Underwriter, Group Insurance

The Senior Underwriter is responsible for to provide pricing and plan design for companies with 1000 or more lives utilizing prior claim experience and manual rates. Products include Group Dental Vision FMLA STD LTD Life Accident Critical Illness and Hospital Indemnity 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
• College degree preferred or equivalent related work experience
• Background in experience-based rating and risk assessment
• Ability to prioritize and efficiently handle multiple work items and due dates
• Experience with 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

Leadership Behaviors

• Continuously strives to provide superior products and customer service
• Takes ownership for meeting individual performance objectives
• Upholds Guardians commitment to ethical business practices

LOCATION
Hybrid role - This position requires 3 days in a Guardian office.

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 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 Please note: this resource is for accommodation requests only. For all other inquires related to your application and careers at Guardian refer to the Guardian Careers site.

Visa Sponsorship

Guardian is not currently or in the foreseeable future sponsoring employment order to be a successful applicant. you must be legally authorized to work in the United States without the need for employer sponsorship.

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