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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