Do you want to be part of a collaborative underwriting team? Do you think big and grow, accelerate impact, and lead change? Is a culture where "People Count," "We Do the Right Thing," and "We Hold Ourselves to Very High Standards" important to you? If so, Guardian is seeking a Group Underwriter IV to effectively manage a book of business in support of stated mission and key financial and performance measures. You will be responsible for underwriting functions for New Business, Renewal, and Add-Issue for groups over primarily under 500 lives for Group Life, Dental, Vision, STD, LTD, Accident, Hospital Indemnity and Critical Illness insurance. You will provide consultative services to sales producers, brokers, and/or customers regarding group insurance plans.
You will
Develop, position, and deliver pricing for new business and renewals to our distribution team.
Provide input and feedback to improve team's overall performance and processes
Mentor and coach less experienced underwriters
Support Guardian's growth and profit goals
Reporting Relationships
As an Underwriter IV you will report to an Underwriting ManagerYou Are
Provide pricing and plan design for cases primarily with 25-499 lives utilizing prior claim experience and manual rates.
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
Negotiate with sales representatives or agents/brokers to resolve rate questions and discrepancies, or risk related concerns
Perform accurate financial analysis to determine the risk classification according to company guidelines.
Complete contract comparisons for takeover business
Handle administrative processing of cases (obtains missing information, completes risk letters). Document case decisions and underwriting rationale.
Utilize underwriting systems and databases for quotes, sales, and renewals to track results
Meet specified metrics for completion of new business quotes, amendments, and renewals.
Respond to RFP Questionnaires.
Consult with risk committee, Management, Consultants and Actuaries.
Provide consultative services to sales producers, brokers, and/or customers regarding group insurance plans.
Effectively work as part of a regional Underwriting Team. Proactively supporting sales by effectively managing cases, identifying trends and opportunities in support of key financial and performance measures.
Monitor and report financial results of assigned accounts in region. Produce experience reports/exhibits as needed and respond to broker and customer inquiries.
Provide mentoring/coaching to help develop technical skills of others, support team growth and development initiatives.
Participate in project work or on teams to develop or improve underwriting processes.
Conduct training for sales and/or underwriting staff as needed.
Ensure accurate and consistent application of Underwriting Policies and Procedures.
Apply knowledge of Federal and State legislation related to Group Insurance Products.
Act as a product resource to support sales efforts and superior customer service.
Respond to inquiries from Customer Service Delivery (New Business & Benefit Services, Customer Eligibility & Payment Services and CRU).
Identify core competencies, key specialties, technical, human relations or managerial.
You Have
College Degree BS/BA or equivalent work experience.
5 years of experience with Group Life, Disability, and Dental underwriting.
Background in experience-based rating and risk assessment.
Industry related course work is recommended but not required.
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.
Understanding of the Guardian's various computer systems.
Location
Primary office sites include Bethlehem, PA and Appleton, WI or Remote - WFH flexibility anywhere in the Continental United States
Travel
0% to 5% of travel required for this role.
Our Promise
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
We Offer
Meaningful and challenging work opportunities to accelerate innovation in a secure and compliant way.
Competitive compensation package.
Excellent medical, dental, supplemental health, life and vision coverage for you and your dependents with no wait period.
Life and disability insurance.
A great 401(k) with company match.
Tuition assistance paid parental leave and backup family care.
Dynamic, modern work environments that promote collaboration and creativity to develop and empower talent.
Flexible time off, dress code, and work location policies to balance your work and life in the ways that suit you best.
Employee Resource Groups that advocate for inclusion and diversity in all that we do.
Social responsibility in all aspects of our work. We volunteer within our local communities, create educational alliances with colleges, drive a variety of initiatives in sustainability.
About Guardian
Guardian has been helping people protect their futures and secure their lives for 160 years. Every day, we serve approximately 29 million people through a range of insurance and financial products. We help people and their families pursue financial security and well-being in life, health, and wealth. We help companies take care of their employees. And we help people recover and thrive after unexpected loss.
From our founding in 1860, when a community of immigrants joined together to insure and protect their businesses and families, doing the right thing for our policyholders and customers has guided everything we do. Our dedication to customers has helped us remain one of the most highly rated in client satisfaction and financial strength. And as one of the largest mutual insurance companies, we know what matters most: putting the needs of our customers first. Because everyone deserves a Guardian. Learn more about Guardian at www.GuardianLife.com.
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.
