A&H Underwriter

General Summary

This position reports into the Underwriting Manager for Life and A&H and is responsible for the evaluation and selection of risk (binding via contract) which ensure the profitable acquisition of new policyholders and the continued profitable retention of inforce cases within assigned authority levels and product types.

Principal Duties And Responsibilities

• Support the achievement of sales and premium goals in accordance with underwriting philosophy, product guidelines and state regulations.
• Partner with internal and external customers in order to increase sales in new or existing accounts by all reasonable means while aligning to department risk management and compliance guidelines.
• Make appropriate risk selection based on the facts presented in applications for insurance.
• Fully document reasons and thought processes to support case decisions made.
• Aid in the analyzing and identifying early and ongoing risk trends.
• Develop personal credibility with sales force, key brokers, customers both external and internal customers and field management.
• Absolutely adhere to Colonial Life’s commitment to privacy and safeguarding confidential information by accurately verifying applicant’s key individual identifiers.
• Aid in supporting the achievement of specific top-line, bottom-line growth.

Job Specifications

• Consistently meet quality and quantity standards as outlined by department expectations.
• Strong risk management skills.
• Strong knowledge of products for which they underwrite.
• Excellent communication skills, both verbal and written.
• Navigate and partner/collaborate effectively throughout all departments in Operations.
• Creative problem solving/analytical reasoning skills.
• Demonstrated initiative and results orientation.
• Demonstrated ability to be persuasive and negotiate.
• Work independently and address problems through own initiative and creativity.
• Demonstrate ability to work both independently and as part of the team.
• Demonstrate ability to mentor associates.

Minimum Qualifications

• Minimum 2-3 years insurance experience.

Other Responsibilities

As defined by manager ~IN1

Company Information

• Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide.
• Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices.
• Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide.
• Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.

Benefits

• Base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience.
• $45,600.00-$86,200.00
• Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not.
• All benefits are subject to the terms and conditions of individual Plans.