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Sr Group Underwriter


Location: Remote - US only

Job Type: Full time


Job Summary

Analyzes risk and financial data to underwrite new business and annual renewal opportunities for larger or more complex group cases; underwrites group cases based on thorough analysis of the group’s profitability, participation percentage, type of industry, participating employee demographics, and past claim experience; responds to a variety of complex and highly customized Requests for Proposal (RFP) involving Aflac and Aflac Group products and services

Principal Duties & Responsibilities

  • Under minimal supervision, underwrites larger or more complex yearly renewals of group cases based on thorough analysis of the group’s financial condition, participation percentage, type of industry, participating employee demographics, and past claim experience; responds to a variety of complex and highly customized Requests for Proposal (RFP) involving Aflac and Aflac Group products and services; coordinates the overall process of development, review, production and delivery of the proposal; initiates follow-up and adherence to established timelines; works closely with the sales team to ensure deliverables are met; develops strong working relationships with sales partners to obtain case detail and understand unique needs of the assigned groups

  • Acts as a liaison coordinating activities with various internal departments and the account to help produce optimum customized offers for product and implementation to win the business and to ensure effective and efficient implementation and administrative setup of accounts; ensures adherence to state, federal, and industry laws, regulations, guidelines, and publications

  • Using creative underwriting criteria and rating methodologies, analyzes risk and financial data to underwrite new business opportunities for key cases; considers the underwriting decisions impact on profitability of the account, product line and company; coordinates with other departments to ensure the accuracy and consistency of account reporting; follows all applicable group regulations and works in support of Aflac Group’s business goals; collaborates with sales team and other internal departments to negotiate rates, benefit plan options, and other issues to optimize retention, growth and profit; is instrumental in managing and attaining market specific financial goals; participates in data analysis, product line reviews, and reporting projects

  • Coordinates implementation of technology with internal and external customers to facilitate data exchange and support client enrollment; establishes, consults, and implements appropriate technology for billing set-up and ongoing premium changes; coordinates with IT on available technology, its usage, and system requirements in order to ease manual processes, automate payments/changes, reduces printing expenditures for Aflac WWHQ; develops and monitors the testing of new ideas to increase service efficiency and persistency initiatives

  • Performs final proofing and editing to convey complex technical thoughts in a clear, concise way that is personalized to the audience, speaks with a single and consistent voice, are effectively structured, and formatted for ease of reading and visual appeal; validates contractual and documentation packages for quality, accuracy, persuasiveness, and compliance with company practices; increases percentage of bids won and tracks results of all bid/proposal initiatives

  • Provides guidance/advice/mentorship to junior Group Underwriters; assists in handling escalated issues that they may encounter on a day-to-day basis

  • Takes part in finalist/broker presentations when necessary; some travel required, generally less than 10%

  • Performs related duties as required

Education & Experience Required

  • Bachelor's Degree in a related field
  • Voluntary employee benefits undewriting experience
  • 5 - 6 years of professional job related experience in a healthcare or financial services environment

Or an equivalent combination of education and experience

Education & Experience Preferred

  • Completion of CLU, LOMA, HIAA or other insurance related

Job Knowledge & Skills

  • Proficient group health underwriting knowledge

  • Proficient in broker and industry practices as pertains to product, enrollment techniques, and service needs of broker and client

  • Understanding of Aflac/Aflac Group’s products and services, affiliated systems and applicable operational policies and procedures

  • Knowledgeable in processes related to acquisition, implementation, service and billing of accounts

  • Strong math skills

  • Proficiency and experience using Microsoft Office suite software


  • Acting with Integrity - Clearly states goals and beliefs; lets people know his/her true intentions; does what he she said they would do; follows through on commitments
  • Communicating Effectively - Expresses ideas and information in a clear and concise manner; tailors message to fit the interests and needs of the audience; delivers information in a manner that is interesting and compelling to the listener
  • Pursuing Self-Development - Demonstrates ambition and desire to move forward in his/her career; engages others in discussions about career development; seeks feedback on ways to increase his/her performance; takes advantage of opportunities to build new skills and capabilities
  • Serving Customers - Builds strong relationships with customers; stays aware of customer needs, concerns and satisfaction; responds promptly to customer questions and requests; effectively manages
  • Supporting Change - Enthusiastically participates in new change initiatives and programs; focuses on reasons why changes will work and how they will be beneficial
  • Supporting Organizational Goals - Actively supports organizational goals and values; demonstrates enthusiasm toward the company's goals and mission; aligns actions around organizational goals
  • Working with Diverse Populations - Shows respect for the beliefs and traditions of others; encourages and promotes practices that support cultural diversity; discourages behaviors or practices that may be perceived as unfair, biased, or critical toward people with certain backgrounds