Review individual life insurance applications and underwrite standard and substandard risks within authorized limits of authority in accordance with department guidelines, including:
- Determining whether to accept, reject or modify life insurance risks by evaluation of applicant's medical history, financial background, insurable interest and financial need.
- Conferring with other Consultant-level Underwriters and up, Medical Director, Director of Indv Underwriting and/or Chief Underwriter on complex cases and situations not established by practice. Obtaining second signature on cases that exceed designated underwriting authority.
- Meeting established time service standards.
- Serve as a role model for other underwriters by establishing themselves as underwriting experts and as a "go to" person for underwriting issues; and Designee to handle high-visibility/high face amount or otherwise special cases.
- Communicate effectively with agents/producers to explain adverse underwriting decisions, while maintaining agency relationship and encouraging future business.
- Actively seek out/identify resources and projects to improve underwriting staff, and improve understanding of business line within the company and industry.
- Represent the underwriting function in inter-departmental meetings/projects.
- Represent Symetra at external functions as appropriate.
What we offer youBenefits and PerksWe don't take a "one-size-fits-all" approach when it comes to our employees. Our programs are designed to make your life better both at work and at home.
- Flexible full-time or hybrid telecommuting arrangements
- Plan for your future with our 401(k) plan and take advantage of immediate vesting and company matching up to 6%
- Paid time away including vacation and sick time, flex days and ten paid holidays
- Give back to your community and double your impact through our company matching
- Want more details? Check out our Symetra Benefits Overview
CompensationSalary Range: $96,700 - $161,200 plus eligibility for annual bonus program
Who you are- At least 7-10 years of cumulative, relevant experience
- Proven analytical and problem-solving skills
- Strong attention to detail and ability to manage large caseloads and provide quick turnaround times while maintaining Symetra's mortality standards
- Strong technical and financial underwriting skills
- Service-oriented with commitment to meet deadlines, prioritize and handle multiple tasks in a demanding work environment
- Strong interpersonal and communication skills (written and verbal)
- Mastery of underwriting principals, practices, insurance medicine, financial underwriting, field operations, product offerings and life insurance contract law.
- Strong negotiation skills.
- College degree preferred, high school diploma required.
