- Analyzes and evaluates risk for disability insurance cases considering characteristics such as plan design, demographics, experience, financial or medical factors, and state and federal regulations.
- Selects and maintains cases to achieve revenue, persistency, and profitability goals for top and bottom-line growth. Communicates financial and other factors to field partners.
- Designs and coordinates issuance of plans, policies, and premium rates within established departmental guidelines. Takes lead on identifying problems and providing solutions and alternatives.
- Demonstrates an extensive understanding of various insurance products, their features and limitations, and industry/regulatory terms.
- Provides training and guidance to new or entry level associates and may supervise or audit the work of others.
- Leads small projects that have significant impact on department results.
- Utilize resources such as underwriting manuals, etc. to assist in evaluating medical and nonmedical risk factors.
- Adhere to company policies and procedures in case assessment.
- Understand reinsurance treaties; appropriately determine retention limits, auto binding capacity and facultative submission options.
- Review assigned industry publications and make periodic presentations at underwriting staff meetings.
- Bachelor's degree or equivalent combination of education and experience required.
- Minimum 3-5 years of related disability underwriting experience required.
- FLMI, FALU, or CLU designations; or active pursuit towards completion of the same desired.
- A working knowledge of medical terminology or reading financial statements or tax documents is desired.
- Our company motto is "Fulfilling Life" and we take that job seriously, with a heavy commitment to volunteering and community support, employee well-being, and providing quality products and services that help our customers create a brighter future.
- Being a mutual-based organization, the return on our investment goes back into the company, to benefit our members/customers.
- We're committed to professional development, opportunity, inclusion and diversity. Team building and collaboration are also priorities.
- A total rewards package with all the comprehensive health and welfare benefits you'd expect, including competitive pay and incentives, 401(k), flexible work schedules and time off to care for yourself and others.
- Additional popular benefits, including tuition reimbursement, and student loan repayment, an incentivized well-being program, adoption assistance, paid time off for volunteering, training and career development opportunities.
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Senior Individual Underwriter - Remote, United States - Ameritas
Description
This position is responsible for underwriting large and complex insurance cases by using extensive subject matter knowledge about company products and underwriting principles. Work independently and influences others to achieve significant operational targets with responsibility for small projects. This position is responsible for the effective selection and classification of individual insurance risks within established guidelines.
Success in this role will require a clear communicator with an ability to articulate the reasons for underwriting decisions to our field partners. This role will require independent work and decision making based on a myriad of relevant variables. Acquire and utilize knowledge of the Company's underwriting policies, procedures, and philosophies, as well as a broad knowledge of the relevant individual products, policy provisions, and underwriting manuals.
At Ameritas, our mission is Fulfilling Life. We do that in many ways, but especially by helping people invest in themselves by offering trusted financial products and advice. Because we believe everyone should be happy, healthy, and financially secure, we work hard to provide trusted financial products and valued guidance, including individual life and disability insurance, employee benefits, retirement planning, investments, and wealth management services.
This position is remote and does not require regular in-office presence.
What you do
What you bring
What We Offer
An Equal Opportunity Employer
Ameritas has a reputation as a company that cares, and because everyone should feel safe bringing their authentic, whole self to work, we're committed to an inclusive culture and diverse workplace, enriched by our individual differences. We are an Equal Opportunity/Affirmative Action Employer that hires based on qualifications, positive attitude, and exemplary work ethic, regardless of sex, race, color, national origin, religion, age, disability, veteran status, genetic information, marital status, sexual orientation, gender identity or any other characteristic protected by law.
Salary range $73,571 to $121,391 per year
