Underwriting Analyst - Supplemental Health Job at Guardian Life Insurance Company
The Supplemental Health Insurance market is growing rapidly with numerous group carriers entering the market. Guardian has robust growth objectives over the next several years which requires strong underwriting discipline to make educated risk decisions. As a Supplemental Health Underwriter, you will be responsible for profitably growing our Supplemental health block and function as a key resource to our sales field and across our organization.
The Underwriting Analysts are viewed as subject matter experts on the product set, service offerings and pricing variables to ensure proper risk evaluation, successful ongoing administration, and successful sales results. Ideal candidates will offer consultative UW services for the product portfolio including plan design analysis, enrollment approach, broker / tech vendor partnership and expense levels.
You will
- Collaborate in end-to-end quote process from rating through proposal to ensure accurate rate development, speed to market and effective decision making.
- Review each submission prior to developing a proposal to ensure a comprehensive risk decision can be made including but not limited to:
- Plan design, expense levels, Enrollment approach (if necessary), state specific requirements etc.
- Consult with Sales partners on each opportunity, i.e., plan adequacy, rate levels, risk related items to ensure all parties are on the same page with quote approach.
- Coordinate with cross functional partners such as Actuarial, Product and Enrollment for unique or more complex scenarios
- Continue to refine risk analysis process and provide recommendations to leadership including case level trends, tool needs, metrics and reporting etc.
- Regular connectivity with Sales field and cross functional partners through strategy calls and day to day interactions
- Assist with the creation of customized broker rate sheets. New development and renewals- rate generation
- Assist management and broader team with projects and initiatives.
You have
- A bachelor’s degree is strongly preferred, but not required.
- At least three years of Group benefits underwriting experience is required.
- Experience in Supplemental Health insurance products (Accident, Critical Illness, Cancer) is a plus, but not required.
Location
- This position is a remote/work from home position which can be located anywhere in the continental United States.
- Limited travel is required for this role.
Our Promise
At Guardian, you’ll 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
$55,570.00 - $92,610.00
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 Guardian’s Purpose – to inspire well-being – we are committed to offering contemporary, supportive, flexible, and inclusive benefits and resources to our colleagues.
Health Care
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Choice of [high deductible/copay] medical plans* with prescription drugs, including coverage for fertility and transgender inclusive benefits
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Dental plan
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Vision plan
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Health care accounts – flexible spending, health reimbursement, and health savings accounts
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Critical illness insurance
Life and Disability Insurance
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Company-paid Life and Disability insurance plus voluntary supplemental coverage
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Accident insurance
Retirement and Financial
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401(k) retirement plan with a company match, plus an annual age/service-based Company contribution and an annual profit-sharing contribution, if applicable
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Complimentary 1:1 financial guidance with a licensed Fidelity representative
Time Off and Remote Work
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Flexible work arrangements (part in-person/part remote)
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Unlimited paid time off for most roles plus time off for volunteering, jury duty, voting, and bereavement
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Personal holidays for colleagues to use in recognition of religious, cultural, or civic days
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Paid parental leave and paid family and medical leave policies
Emotional Well-being and Work-Life
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Emotional well-being, mental health, and work/life resources powered by Spring Health
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Wellness programs, including fitness program and equipment reimbursement
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Child, adult, and elder back-up care support through Bright Horizons
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Adoption assistance
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College planning
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Tuition reimbursement
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Student loan assistance
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Commuter benefits in select metropolitan areas
Justice, Equity, Diversity & Inclusion (J.E.D.I.)
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Employee Resource Groups that advocate for inclusion and diversity
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J.E.D.I. certification and training programs
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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
applicant_accommodation@glic.com
.
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