Guardian Life
Senior Underwriter 500-999 lives
Guardian Life, Holmdel, New Jersey, United States,
The Senior Underwriter is responsible for providing pricing and plan design for companies with 500 - 999 lives utilizing prior claim experience and manual rates. Products include Group Dental, Vision, FMLA, STD, LTD, Paid Leave, and Life 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 to solve business issues and win business. The underwriter will be both a confident communicator and an independent decision-maker.You willRecommend 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.
Manage administrative processing of cases. Utilize underwriting systems and databases for quotes, sales, and renewals to track results.
Document case decisions and underwriting rationale.
Effectively work as part of a regional Underwriting Team.
Provide mentoring/coaching to help develop technical skills of others, support team growth and development initiatives. Conduct training for sales and/or underwriting staff as needed.
Participate in project work or on teams to develop or improve underwriting processes.
You have5+ years of experience with Group Life, Disability, and/or Dental underwriting.
Ability to prioritize and efficiently manage multiple work items and due dates.
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.
Reporting RelationshipThis position reports to Underwriting Lead in Group Benefits.LocationHybrid role - 2 days in the office, 3 days WFH - Preferred locations: Guardian home offices located in Bethlehem, PA, Boston, MA, New York, NY, Stamford, CT, or Holmdel, NJ. We will consider candidates outside of preferred locations, offering flexible work arrangements if experience is aligned.Salary Range
$66,130.00 - $108,640.00The 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.Our PromiseAt 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.Inspire Well-BeingAs 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 CareChoice of [high deductible/copay] medical plans* with prescription drugs, including coverage for fertility and transgender inclusive benefits.
Dental plan.
Vision plan.
Health care accounts – flexible spending, health reimbursement, and health savings accounts.
Critical illness insurance.
Life and Disability InsuranceCompany-paid Life and Disability insurance plus voluntary supplemental coverage.
Accident insurance.
Retirement and Financial401(k) retirement plan with a company match, plus an annual age/service-based Company contribution and an annual profit-sharing contribution, if applicable.
Complimentary 1:1 financial guidance with a licensed Fidelity representative.
Time Off and Remote WorkFlexible work arrangements (part in-person/part remote).
Unlimited paid time off for most roles plus time off for volunteering, jury duty, voting, and bereavement.
Personal holidays for colleagues to use in recognition of religious, cultural, or civic days.
Paid parental leave and paid family and medical leave policies.
Emotional Well-being and Work-LifeEmotional well-being, mental health, and work/life resources powered by Spring Health.
Wellness programs, including fitness program and equipment reimbursement.
Child, adult, and elder back-up care support through Bright Horizons.
Adoption assistance.
College planning.
Tuition reimbursement.
Student loan assistance.
Commuter benefits in select metropolitan areas.
Equity & InclusionOpportunities to build inclusive and meaningful connections through involvement in colleague-led affinity groups:Employee Resource Groups.
Colleague Connection Committees.
Community Involvement Committees.
A culture that encourages colleagues to bring their authentic selves to work.Voluntary self-ID.
Pronunciation and phonetic spelling of names.
Benefits apply to full-time eligible employees. Interns are not eligible for most Company benefits.Equal Employment OpportunityGuardian 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.AccommodationsGuardian 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 individual's 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
applicant_accommodation@glic.com .Current Guardian Colleagues: Please apply through the internal Jobs Hub in Workday.
#J-18808-Ljbffr
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.
Manage administrative processing of cases. Utilize underwriting systems and databases for quotes, sales, and renewals to track results.
Document case decisions and underwriting rationale.
Effectively work as part of a regional Underwriting Team.
Provide mentoring/coaching to help develop technical skills of others, support team growth and development initiatives. Conduct training for sales and/or underwriting staff as needed.
Participate in project work or on teams to develop or improve underwriting processes.
You have5+ years of experience with Group Life, Disability, and/or Dental underwriting.
Ability to prioritize and efficiently manage multiple work items and due dates.
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.
Reporting RelationshipThis position reports to Underwriting Lead in Group Benefits.LocationHybrid role - 2 days in the office, 3 days WFH - Preferred locations: Guardian home offices located in Bethlehem, PA, Boston, MA, New York, NY, Stamford, CT, or Holmdel, NJ. We will consider candidates outside of preferred locations, offering flexible work arrangements if experience is aligned.Salary Range
$66,130.00 - $108,640.00The 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.Our PromiseAt 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.Inspire Well-BeingAs 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 CareChoice of [high deductible/copay] medical plans* with prescription drugs, including coverage for fertility and transgender inclusive benefits.
Dental plan.
Vision plan.
Health care accounts – flexible spending, health reimbursement, and health savings accounts.
Critical illness insurance.
Life and Disability InsuranceCompany-paid Life and Disability insurance plus voluntary supplemental coverage.
Accident insurance.
Retirement and Financial401(k) retirement plan with a company match, plus an annual age/service-based Company contribution and an annual profit-sharing contribution, if applicable.
Complimentary 1:1 financial guidance with a licensed Fidelity representative.
Time Off and Remote WorkFlexible work arrangements (part in-person/part remote).
Unlimited paid time off for most roles plus time off for volunteering, jury duty, voting, and bereavement.
Personal holidays for colleagues to use in recognition of religious, cultural, or civic days.
Paid parental leave and paid family and medical leave policies.
Emotional Well-being and Work-LifeEmotional well-being, mental health, and work/life resources powered by Spring Health.
Wellness programs, including fitness program and equipment reimbursement.
Child, adult, and elder back-up care support through Bright Horizons.
Adoption assistance.
College planning.
Tuition reimbursement.
Student loan assistance.
Commuter benefits in select metropolitan areas.
Equity & InclusionOpportunities to build inclusive and meaningful connections through involvement in colleague-led affinity groups:Employee Resource Groups.
Colleague Connection Committees.
Community Involvement Committees.
A culture that encourages colleagues to bring their authentic selves to work.Voluntary self-ID.
Pronunciation and phonetic spelling of names.
Benefits apply to full-time eligible employees. Interns are not eligible for most Company benefits.Equal Employment OpportunityGuardian 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.AccommodationsGuardian 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 individual's 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
applicant_accommodation@glic.com .Current Guardian Colleagues: Please apply through the internal Jobs Hub in Workday.
#J-18808-Ljbffr