Individual Disability Associate Underwriter

Guardian Life•Pittsfield, MA

53d•Remote

About The Position

The Associate Disability Underwriter is responsible for exercising their discretion & using professional judgment in decision making of individual disability cases. They will use their training and experience to determine the insurability as well as premium classification primarily relating to in-force applications. The Associate Underwriter is also accountable for managing assigned work, developing agency relationships, and ensuring customer satisfaction at the highest level. The Disability Insurance Associate Underwriter will work with adjacent Underwriters as well as other departments, including Individual Disability Service & Administration, for the benefit of the facilitation of the entire underwriting and administrative process. The position requires the individual to operate in a cross-functional team environment. You are A self-motivated individual driven by collaboration and dedicated to delivering exceptional customer service. You excel in managing relationships with strong interpersonal skills.

Requirements

College degree and industry related education (i.e., LOMA, ALU, CLU) desired.
1+ years' Individual Disability Underwriting experience desired.
Knowledge of individual disability insurance products/processes desired.
Working medical knowledge (i.e., Medical Terminology, Anatomy and Physiology, and Medical Conditions) desired.
General computer proficiency required.
Excellent analytical skills; written and oral communication skills and negotiation skills.
Exceptional decision-making skills and organizational and time management skills.

Responsibilities

Recognize and obtain requirements necessary in evaluating risks, consistently using the global approach (a "broadened view" of the entire case to forecast all needs and requirements at onset) to underwriting.
Evaluate medical, financial, and non-medical information, as developed, to determine the risk classification according to company guidelines.
Review prior underwriting files and recognize impact they have on current underwriting.
Communicate with the field force and home office personnel for the purpose of acquiring necessary information, solving problems, and conveying decisions in a polite, confident, and professional manner.
Consult with Medical Director and Mentors and/or senior underwriting staff for the purpose of resolving complex medical and non-medical histories.
Interpret underwriting policy and implement established guidelines, department procedures, and compliance directives.
Explain Guardian product information, risk classification, and underwriting action to peers and field force.
Work with peer underwriting staff, support personnel, and adjacent departments to facilitate the entire selection, issue, and administrative process.
Negotiate appeals of underwriting actions with general agents, agents, and agency personnel.
Evaluate risk involved in reinstatements, and other policy change requests as required.
Review, interpret and record Medical Information Bureau codes in accordance with established MIB guidelines.
Communicate actions with our proposed policyholders.
Participate in on-going training and development offerings to enhance customer service and underwriting, in support of a high-performance culture.