A&H Underwriter

Unum•Columbia, SC

1d•$45,600 - $86,200

About The Position

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. The role involves supporting the achievement of sales and premium goals in accordance with underwriting philosophy, product guidelines and state regulations. This requires partnering with internal and external customers to increase sales, making appropriate risk selections based on application facts, and fully documenting case decisions. The incumbent will also assist in analyzing risk trends, developing personal credibility with the sales force and brokers, and supporting the achievement of top-line and bottom-line growth through technical expertise in risk selection and accurate risk assessment. Additionally, the role involves processing reinstatement and policy level applications, identifying efficiency improvements, and delivering dependable, accurate, and timely service to build customer relationships.

Requirements

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.
Ability to 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.
Ability to work independently and address problems through own initiative and creativity.
Flexibility to work well under pressure, manage multiple priorities and tight deadlines.
Demonstrate ability to work both independently and as part of the team.
Demonstrated ability to mentor associate UW’s.
Minimum 2-3 years insurance experience.

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.
Assist 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.
Support Colonial Life’s commitment to privacy and safeguarding confidential information by accurately verifying applicant’s key individual identifiers.
Assist in supporting the achievement of specific top-line, bottom-line growth.
Develop technical expertise in risk selection.
Develop selection and retention of customers through accurate risk assessment.
Deliver dependable, accurate and timely service and build relationships with all customers, consistent with the company’s commitment to achieving a distinct competitive advantage.
Process all reinstatement applications and support policy level applications from the queues as needed to support and meet departmental unit goals.
Identify efficiency improvements to include new and better ways to handle Underwriting tasks through automation and training.
Other responsibilities as defined by manager.

Benefits

Health
Vision
Dental
Short & Long-Term Disability
Generous PTO (including paid time to volunteer!)
Up to 9.5% 401(k) employer contribution
Mental health support
Career advancement opportunities
Student loan repayment options
Tuition reimbursement
Flexible work environments
Performance Based Incentive Plans
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.