Underwriter Multi Life Guarantee Issue (Life and Disability)

Guardian Life • Pittsfield, MA

89d • $57,810 - $86,715 • Hybrid

About The Position

Guardian is seeking an Underwriter to identify risk selection for Multi-Life Life and Disability. You will be part of a collaborative Underwriting team, solving problems and diving into data while effectively interfacing between sales and business needs. The culture emphasizes doing the right thing, valuing people, shaping the future together, and going above and beyond for the people we serve. As an Underwriter, you will understand current market trends to offer competitive plan designs for employees of companies that agree to pay for or market Guardian Supplemental Income Protection and Individual Life Products. You will evaluate the risk profile of each case by analyzing key risk levers, including financial and occupational factors, to ensure sound underwriting decisions aligned with company guidelines and risk tolerance. You will negotiate with sales representatives and communicate details of program offers, collaborate with teams in pre-sale and pre-enrollment activities, and build and maintain strong relationships with both internal and external contacts.

Requirements

• 5+ years of insurance risk management experience.
• Experience in life and disability underwriting.
• Experience in Guarantee Issue Case Level Underwriting for Individual Disability and Executive Benefit Life is a plus.
• Knowledge of Individual Life and Group Life, Group Long Term Disability, Individual Disability, and/or Supplemental Income Protection products.
• Bachelor's Degree or equivalent work experience.
• Aptitude for problem solving and critical thinking.
• Ability to engage others and work in a fast-paced team.

Nice To Haves

• Experience in risk selection and distribution.

Responsibilities

• Identify risk selection for Multi-Life Life and Disability.
• Evaluate the risk profile of each case by analyzing key risk levers.
• Negotiate with sales representatives and communicate program offers.
• Collaborate with teams in pre-sale and pre-enrollment activities.
• Build and maintain strong relationships with internal and external contacts.

Benefits

• Support and flexibility to achieve professional and personal goals.
• Skill-building and leadership development opportunities.
• Philanthropic opportunities.
• Contemporary, supportive, flexible, and inclusive benefits.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Industry: Insurance Carriers and Related Activities
• Education Level: Bachelor's degree