Senior Disability Underwriter, Individual Disability

As an Individual Disability Senior Underwriter, you're responsible for exercising your discretion and using professional judgment in decision making of individual disability cases up to $15,000/monthly indemnity for personal coverage and up to $50,000 of Overhead Expense. You will use your training and experience to determine the insurability as well as premium classification of applications. As a Senior Underwriter, you are accountable for managing assigned work, maintaining excellent agency relationships, and ensuring customer satisfaction at the highest level. You are part of a dynamic team that works with adjacent departments for the benefit of the facilitation of the entire underwriting and administrative process. You operate in a cross-functional team environment where a positive consumer journey and prudent risk evaluation is critical to our success.

You are

• An independent decision-maker that applies resources and uses logic to solve problems quickly with minimal leadership assistance
• A self-starter that is fueled by collaboration and problem solving
• A confident and skilled communicator who can provide constructive, focused feedback
• Comfortable challenging the status quo and offering new insights and solutions
• A positive role model highly focused on the consumer and a strong collaborator and leader with colleagues
• Highly driven by your own development and success, willing to accept stretch assignments, and crafting meaningful development and career plans based on your skill development needs.
• Motivated and inspired to do whatever it takes to positively impact our field partners and consumers’ lives and foster their well-being
• Very organized with a strong attention to detail across a variety of tasks

You will

• Recognize and obtain requirements necessary in evaluating risks, consistently using the global approach (a “broadened view” of the entire case to forecast all needs and requirements at onset) to underwriting
• Proficiently evaluate more complex medical, financial, non-medical information with little to no manager involvement, and review prior files as developed, to determine the risk classification according to company guidelines
• Communicate and/or negotiate with the field force and home office personnel for the purpose of acquiring necessary information, solving problems, and conveying decisions in a polite, confident, and professional manner
• Consult with Medical Director and Mentors and/or senior underwriting staff for the purpose of resolving complex medical and non-medical histories
• Interpret underwriting policy and implement established guidelines, department procedures, and compliance directives
• Confidently explain Guardian product information, risk classification, and underwriting action to peers and field force
• Collaborate with peer underwriting staff, support personnel, and adjacent departments to facilitate the entire selection, issue, and administrative process
• Negotiate underwriting appeals with minimal management involvement when collaborating with general agents, agents, and agency personnel
• Review, interpret and record Medical Information Bureau codes in accordance with established MIB guidelines
• Communicate actions with our proposed policyholders
• Participate in ongoing training and development offerings to enhance customer service and underwriting, in support of a high-performance culture
• Demonstrates ownership and follow-through when reviewing case files, workflows, exceptions, and anomalies and able to identify patterns and trends and offer proactive and practical solutions

You have

• Minimum of 4+ years' experience in individual disability underwriting
• College degree preferred or industry related education (i.e., LOMA, ALU, CLU) or related professional experience
• Knowledge of individual disability insurance products/processes
• Working medical knowledge (i.e., Medical Terminology, Anatomy and Physiology, and Medical Conditions)
• Working financial knowledge (i.e., Personal and Business Tax Returns, Profit & Loss Statements)
• Strong proficiency in Outlook, Microsoft Word/Excel as well as general computer proficiency
• Excellent analytical skills; written and oral communication skills and negotiation skills
• Exceptional decision-making skills and organizational and time management skills

LOCATION and TRAVEL
This is a remote position (mobile) with occasional travel to a Guardian office annually or as determined by your people leader.

Salary Range:

$67,450.00 - $110,815.00

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 det