Sr Underwriter, Mid-Market Accts

Accountabilities • Underwrite complex mid-market employee benefits cases covering approximately 1,000–4,999 lives, applying sound risk assessment and underwriting judgment.

• Evaluate risk factors, financial information, market conditions, and relevant account characteristics to develop appropriate pricing and retention strategies.

• Apply advanced knowledge of underwriting guidelines, procedures, contract provisions, and applicable state insurance statutes when evaluating cases.

• Develop long-term underwriting solutions designed to support profitable growth, sustainable customer relationships, and the overall health of the business portfolio.

• Analyze economic and financial trends and incorporate relevant insights into pricing, risk selection, and account-retention decisions.

• Anticipate changes in market conditions and adjust underwriting strategies and recommendations as new information becomes available.

• Partner with colleagues and cross-functional teams to ensure underwriting decisions account for broader business and enterprise considerations.

• Serve as a subject-matter expert on complex underwriting matters and provide guidance on challenging cases.

• Mentor and support other underwriters, sharing expertise and helping strengthen technical capabilities and decision quality across the team.

• Independently manage priorities, move work forward, and remain accountable for underwriting objectives and deliverables.

• Build and maintain positive relationships with internal and external customers by delivering thoughtful, responsive, and value-focused solutions.

Requirements

• Bachelor’s degree preferred; high school diploma or equivalent required.

• At least 6 years of progressively responsible experience in employee benefits underwriting .

• Approximately 3–5 years of experience underwriting Life, Short-Term Disability (STD), and Long-Term Disability (LTD) products.

• Strong knowledge of underwriting guidelines, procedures, contract provisions, and applicable state insurance regulations.

• Demonstrated ability to evaluate complex risks and make sound, strategic underwriting decisions.

• Experience working with mid-market or regional account underwriting environments is preferred.

• Previous experience mentoring, coaching, or supporting the professional development of other underwriters.

• Strong analytical skills and the ability to interpret economic, financial, and market information when making underwriting decisions.

• Ability to balance profitability, risk considerations, customer needs, and long-term account relationships.

• Strong adaptability and willingness to adjust priorities, approaches, and recommendations as circumstances or information change.

• Customer-focused mindset with the ability to build effective relationships and consistently deliver value to internal and external stakeholders.

• Strong ownership and self-direction, with the ability to independently drive work forward and meet objectives.

• Excellent communication, collaboration, and decision-making skills.

• Ability to work effectively in a remote environment while maintaining strong engagement with colleagues and business partners.

Benefits

• Salary range of $76,250–$111,500 , with actual compensation determined by factors including education, experience, knowledge, skills, internal equity, position budget, and market data.

• Annual incentive bonus opportunity, subject to applicable plan terms and performance factors.

• Medical, dental, and vision insurance.

• 401(k) plan with matching employer contributions.

• Generous paid time off, including 11 holidays, 2 wellness days, and 8 volunteer hours annually , with PTO increasing based on tenure.

• Paid parental leave.

• Adoption and surrogacy assistance.

• Employee giving program with donation matching for eligible nonprofits and schools.

• Supportive management and opportunities for career growth and advancement.

• Remote work arrangement within the United States.

• Opportunity to develop advanced expertise in mid-market employee benefits underwriting.

• Professional development and mentoring opportunities within an experienced underwriting organization.

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