Underwriter II

Trustmark • Lake Forest, IL

3d • $62,947 - $90,924

About The Position

Responsible for supporting the underwriting of level funded medical products by reviewing medical applications and questionnaires, claims experience, and related data to evaluate risk and determine appropriate premium rates for new and existing clients. Applies established risk criteria and underwriting guidelines to produce sound, well-documented underwriting decisions. Collaborates closely with underwriting, sales, and operations partners to ensure alignment on case strategy, data quality, and process execution. Communicates and defends underwriting decisions and risk assessments with the sales field, providing clear rationale and supporting analysis to facilitate understanding and client discussions.

Requirements

• Bachelor’s Degree and/or 2 – 4 years of related experience OR High School Diploma or GED with 4-6 years of related experience.
• Working knowledge of medical underwriting principles, or the ability to quickly develop proficiency through training and practical application
• Ability to apply established guidelines to make sound, consistent underwriting decisions
• Strong analytical and problem-solving skills with attention to detail
• Effective time management and organizational skills, with the ability to manage multiple priorities in a fast-paced environment
• Clear written and verbal communication skills, including the ability to explain underwriting decisions and rationale
• Proficiency in Microsoft Excel and other underwriting systems/tools

Responsibilities

• Review applications, claims experience, and supporting data to evaluate risk and determine appropriate premium rates for new business and renewals.
• Apply established underwriting guidelines and pricing methodologies to produce sound, consistent, and profitable decisions.
• Partner with underwriting, sales, and operations teams to ensure accurate data, alignment on case strategy, and timely execution.
• Communicate and support underwriting decisions with clear rationale to facilitate internal alignment and effective field engagement.
• Prepare and maintain complete, accurate documentation of underwriting analysis, assumptions, and decisions.
• Ensure files meet quality, audit, and compliance standards.
• Maintain familiarity with underwriting tools, medical cost drivers, and internal resources to support accurate risk assessment and pricing.
• Build underwriting proficiency through ongoing learning, feedback, and application of best practices.
• Seek opportunities to improve understanding of products, processes, and risk evaluation.

Benefits

• Health/dental/vision
• life insurance
• FSA and HSA
• 401(k) plan
• Employee Assistant Program
• Back-up Care for Children, Adults and Elders
• many health and wellness initiatives
• Wellness program that enables employees to participate in health initiatives to reduce their insurance premiums

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level