The Senior Underwriter is responsible for providing pricing and plan design for companies with 1,000 or more lives utilizing prior claim experience and manual rates. Products include Group Dental, Vision, FMLA, STD, LTD, Life, Accident, Critical Illness and Hospital Indemnity insurance.You 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. The underwriter will be both a confident communicator and an independent decision-maker.You will
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 creative 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.
Work effectively 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 have
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.
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 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.
Location /TravelHybrid role - 2 days in the office, 3 days WFH - Preferred locations- Guardian home offices located in Bethlehem, PA, New York NY, Stamford CT, Holmdel, NJ - or in a Guardian sales offices located in Atlanta, Chicago, Boston, Newport Beach, or Piano/Dallas. We will consider candidates outside of preferred locations, offering flexible work arrangements if aligned.Occasional 0-10% TravelSalary 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 Care
Choice 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 Insurance
Company-paid Life and Disability insurance plus voluntary supplemental coverage
Accident insurance
Retirement and Financial
401(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 Work
Flexible 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-Life
Emotional 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
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 [email protected] .Every day, Guardian helps our 29 million customers realize their dreams through a range of insurance and financial products and services. Our Purpose, to inspire well-being, guides our dedication to the colleagues, consumers, and communities we serve. We know that people count, and we go above and beyond to prepare them for the life they want to live, focusing on their overall well-being — mind, body, and wallet. As one of the largest mutual insurance companies, we put our customers first. Behind every bright future is a GuardianTM. Learn more about Guardian at guardianlife.com .