Senior Underwriting Consultant - Remote

At UnitedHealthcare, we're simplifying the health care experience, creating healthier communities and removing barriers to quality care. The work you do here impacts the lives of millions of people for the better. Come build the health care system of tomorrow, making it more responsive, affordable and optimized.

About the role

The Senior Underwriting Consultant will analyze Financial Protection Products—Group Life, Disability and Supplemental Health—plan characteristics and assess risk. They will utilize underwriting criteria and policies to provide proper rating methodologies. The role involves building, evaluating, and recommending alternative pricing and plan design options based on economic analysis and trends while balancing profit protection with sales growth pressure.

You'll enjoy the flexibility to work remotely from anywhere within the U.S. For hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week.

Responsibilities

• Prepare financial modeling for reserve calculation, budget calculation, and other ongoing reviews that align with client strategies
• Evaluate risk of Life, LTD, STD, and supplemental health products on a manual and experience-rated basis
• Validate and evaluate renewals and new business request for proposals for accuracy for all size groups
• Deliver competitive and consultative proposals and renewal analysis to obtain and persist the in-force block
• Conduct competitive analysis of all coverage lines and present financial and contractual findings
• Serve as a functional subject matter expert, providing trusted guidance and acting as a key resource to senior leadership

Requirements

• 7+ years of experience in group insurance underwriting for Group Life, Long Term Disability (LTD), Short Term Disability (STD), and Supplemental Health for Voluntary and Employer Paid plan designs
• Large case underwriting experience incorporating experience in development of pricing
• Experience coordinating in development of training and mentoring others
• Knowledge of industry and marketplace trends
• Intermediate proficiency with MS Office suite (including Word and Excel)
• Mastery of products including product and contract provisions, plan designs, pricing, and various funding arrangements
• Demonstrated success collaborating with internal and external partners to develop appropriate case strategies

Preferred Qualifications

• Experience contributing to process improvements, automation, or standardization initiatives
• Proven ability to communicate underwriting rationale to business leaders, sales, and actuarial partners
• Involvement in underwriting guidelines development or governance
• Track record of influencing decisions in ambiguous or high-stakes situations

Benefits

• Comprehensive benefits package
• Incentive and recognition programs
• Equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements)

Pay

The salary for this role will range from $91,700 - $163,700 annually based on full-time employment, depending on factors including but not limited to local labor markets, education, work experience, and certifications.