Senior Stop Loss Underwriter

Acrisure•Las Vegas, NV

2d•$110,000 - $125,000•Onsite

About The Position

The Senior Stop Loss Underwriter is responsible for evaluating, pricing, and managing risk for employer-sponsored self-funded health plans. This role includes underwriting both new business and renewals, assessing specific and aggregate exposure, and ensuring profitability while maintaining competitive positioning in the marketplace. The Senior Stop Loss Underwriter collaborates with sales, clinical, policy, and claims teams to deliver sound underwriting decisions aligned with company guidelines and financial objectives.

Requirements

5+ years of stop loss underwriting experience (specific & aggregate preferred)
Strong knowledge of self-funded health plan structures
Experience reviewing large claimant reports and medical diagnoses
Proficiency in underwriting models and rating tools

Responsibilities

Review employer census data, claims experience, and large claimant reports
Evaluate specific and aggregate risk exposure and establish appropriate attachment points, lasers, and aggregate corridors
Price stop loss coverage in accordance with underwriting guidelines
Analyze emerging large claims and assess recurrence risk
Underwrite new employer groups seeking stop loss coverage
Analyze renewal performance and determine rate adjustments
Balance competitiveness with profitability targets
Provide alternative quoting strategies when appropriate
Communicate underwriting decisions clearly and professionally with producers
Support producers during negotiations
Partner with clinical underwriting on high-cost cases
Coordinate with policy administration to ensure accurate contract terms
Adhere to delegated underwriting authority
Ensure compliance with state and federal regulations
Provide guidance and mentorship to junior underwriters.
Contribute to underwriting best practices, process improvements, and training initiatives.
Serve as a subject matter expert on complex or high-risk cases.