Manager, Life Underwriting

Major Opportunities and Decisions:

The incumbent utilizes evaluative expertise to help mentor Associate Life Underwriters, Life Underwriters, Senior Life Underwriters, & Life Underwriting Consultants make appropriate risk decisions and resolve conflicts and appeals to the satisfaction of both the customer and the company.

Relationship management with Field, Guardian business associates, and other external customers.

Work with home office & field partners to identify opportunities to further develop team practices and procedures, proactively offer feedback to leadership for team improvement, and share opinions and innovative ideas to enhance overall team processing and design.

Principal Accountabilities

Staff Management and Development

Manage the risk evaluation activities of a traditional underwriting team. Mentoring, coaching and developing staff, including the facilitation of the transfer of knowledge among team members.  Identify individuals with potential to progress to the next level of Underwriting. Coordinating production and workflow activities with Underwriting and Administrative Support areas.

Customer Relations and Communications

Providing service and support to internal and external customers; building rapport with field partners as well as Guardian business associates.  Perform site visits and/or training as needed for the field & internal associates.

Additional Training/Self development and Project Participation

Serve as Underwriting representative on department, division and corporate business projects and initiatives.  Attend industry and reinsurance meetings for industry trends & information to share with the Life Underwriting department.                                                                                                                   

Evaluation of Risk   

Evaluating applications submitted to the company for policies of Individual life insurance and rendering decisions on issuance or declination.

The Life Underwriting Manager / Specialist is responsible for supervising the evaluation of risk on applications processed and underwritten in a traditional underwriting team for policies of insurance submitted to the company.  This is achieved by demonstrating a cultural/philosophical foundation of expeditious evaluations, fact-based decisions, continued development of field relationships and ensuring customer satisfaction at the highest level.  The position is accountable for underwriter development & coaching. This position will supervise a staff that determines insurability as well as premium classification inclusive of traditional underwriting up to $20,000,000.   The Life Underwriting Manager / Specialist has the authority to exercise their discretion & professional judgment in decision making of large complex individual life cases up to $30,000,000.

Salary Range

$84,320.00 - $138,522.50

The salary range reflected above is a good faith estimate of base pay for the primary location of the position. The salary for this position ultimately will be determined based on the education, experience, knowledge, and abilities of the successful candidate. In addition to salary, this role may also be eligible for annual, sales, or other incentive compensation.

Our Promise

At Guardian, you’ll have the support and flexibility to achieve your professional and personal goals.  Through skill-building, leadership development and philanthropic opportunities, we provide opportunities to build communities and grow your career, surrounded by diverse colleagues with high ethical standards.

Inspire Well-Being

As part of Guardian’s Purpose – to inspire well-being – we are committed to offering contemporary, supportive, flexible, and inclusive benefits and resources to our colleagues.

Health Care

• Choice of [high deductible/copay] medical plans* with prescription drugs, including coverage for fertility and transgender inclusive benefits

• Dental plan

• Vision plan

• Health care accounts – flexible spending, health reimbursement, and health savings accounts

• Critical illness insurance

Life and Disability Insurance

• Company-paid Life and Disability insurance plus voluntary supplemental coverage

• Accident insurance

Retirement and Financial

• 401(k) retirement plan with a company match, plus an annual age/service-based Company contribution and an annual profit-sharing contribution, if applicable

• Complimentary 1:1 financial guidance with a licensed Fidelit