Risk Management & Underwriting Leadership Development Program (RULDP) January 2025 Class

If you’re looking to add value, make an impact, and use strong analytical and math skills in a fast-paced environment, starting your career within the Risk Management & Underwriting Leadership Development Program (RULDP) will allow you to do all this and more. Underwriters evaluate the risk of insuring a potential customer and use that information to set premium rates for insurance coverage. As part of our Underwriting team, you will directly impact our business on a daily basis by protecting the company's sound financial position and enabling us to meet our financial commitments to our clients.    

RULDP associates begin to shape their careers with program support and discussions with direct managers, mentors, RULDP peers, trainers, and program managers. RULDP offers structured technical training (ULTRA – Underwriting Leadership Training & Risk Assessment) and non-technical training (competency-based workshops), networking opportunities, formal mentoring, and exposure to a breadth of underwriting roles across multiple product lines. This multi-year development program consists of 2 rotations each typically lasting 2.5 years. In addition to rotations, you will gain insight into other roles within the Risk Management & Underwriting organization through formalized job shadows and project work. Throughout the program, you will develop the skills and competencies necessary to become a successful Risk Manager/Underwriter and future leader within our organization.    

RULDP Evolve is an extensive learning opportunity that guides your experience through the early stages of your Risk Management & Underwriting career. The program includes a mixture of instructor-led classroom training, self-study, and on-the-job experiences. Most associates will start their first rotation supporting our health care side of the business and will have an opportunity to take on new responsibilities and experiences within their second rotation. These new experiences could include the following:  

• New Market (different geographies) 

• New Buyer Group (employer size) 

• New Product (ex. Supplemental Health, Pharmacy, Dental, etc.)  

• New Responsibilities within the same team (ex. project work, mentor opportunities, increased exposure to brokers/clients, book of business management, etc.)  

What you’ll do:   

Upon starting in RULDP’s EVOLVE, you will complete training through our Underwriting Leadership Training and Risk Assessment (ULTRA) curriculum. This multi-faceted program is designed to be one year in length, starting with 11 weeks of technical classroom training. This curriculum provides associates with the knowledge, skills and competencies necessary to meet the performance objectives of the Risk Management & Underwriting position, including in-depth training on our products & services, insurance basics, risk analysis & rate projection, negotiation skills, systems & tools, and contract language & terminology. Immediately following the initial training, you, with Mentor support, will transition into underwriting for a market specific team equipped to make an immediate contribution to the business and earnings results.  

Career Path:   

Upon completion of your technical training (ULTRA), you will be part of a team responsible for defining the appropriate premium rate level and plan design structure of cases, evaluating total case profitability, and conducting customer negotiations with Sales and Account Management on their book of business. You will also have the opportunity to build successful, productive relationships with matrix partners within the business, while receiving continuous career development and mentoring throughout your program experience.   

Qualifications:   

• Bachelor’s degree in the following major and/or minors are preferred: R