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Guardian Life · 3 weeks ago

Senior Underwriter Large Market, Group Insurance

Boston

Full-time

Hybrid

Mid, Senior Level

$69K/yr - $113K/yr

5+ years exp

Guardian Life is a leading insurance company seeking a Senior Underwriter for Large Market Group Insurance. This role is responsible for pricing and plan design for companies with over 1,000 lives, requiring strong analytical skills and the ability to negotiate effectively with various stakeholders.

DentalFinancial ServicesHardwareInsuranceLife Insurance

No H1B

Responsibilities

Recommend competitively priced products, funding arrangements, and services to meet customer requirements

Leverage all available resources to improve risk management, enhance decision-making, and provide create solutions for internal and external customers

Determine pricing of new business and/or renewal business, including alternate plan of benefit options, within assigned authority levels

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

Provide consultative services to sales producers, brokers, and/or customers regarding group insurance plans

Handle administrative processing of cases. Utilize underwriting systems and databases for quotes, sales, and/or renewals to track results

Ensure accurate and consistent application of Underwriting Policies and Procedures

Apply knowledge of Federal and State legislation related to Group Insurance Products

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. Conduct training for sales and/or underwriting staff as needed

Participate in project work or on teams to develop or improve underwriting processes

Qualification

Group Insurance UnderwritingRisk AssessmentAnalytical SkillsNegotiation SkillsFinancial AnalysisTechnical ProficiencyAI-driven ToolsCommunication SkillsAttention to DetailProblem Solving

Required

5+ years of experience with Group Life, Disability and/or Dental underwriting

Background in experience-based rating and risk assessment

Ability to prioritize and efficiently manage multiple work items and due dates

Proficiency with Underwriting tools and systems

Demonstrated ability to leverage AI-driven tools (e.g., Microsoft Copilot) and automation to enhance decision-making and efficiency; comfortable exploring emerging technologies and continuously seeking innovative solutions

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 command of Word, Excel, and PowerPoint applications

Continuously strives to provide superior products and customer service

Takes ownership for meeting individual performance objectives

Upholds Guardian's commitment to ethical business practices