Senior Underwriter - Military Veterans

The Senior Underwrite is responsible for providing pricing and plan design for companies with 25-499 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. You should 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 will

• Recommend 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.
  
• Handles administrative processing of cases. Utilize underwriting systems and databases for quotes, sales, renewals to track results
  
• 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. Conducts training for sales and/or underwriting staff as needed.
  
• Participates 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.
  
• Ability to prioritize and efficiently handle 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 Relationship

This position reports to a Manager of Underwriting/Group Benefits

Location

Hybrid 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.

Salary Range
$66,130.00 - $108,640.00

The 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 Promise

At 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-Being

As 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
  

Equity & Inclusion

Opportunities 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 Opportunity

Guardian 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.

Accommodations

Guardian 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.