Salary Range: $65,000 - $95,000

Job Posting End Date: July 8th 2025

We’ve Got You Under Our Wing

We are the duck. We develop and empower our people, cultivate relationships, give back to our community, and celebrate every success along the way. We do it all…The Aflac Way.

Aflac, a Fortune 500 company, is an industry leader in voluntary insurance products that pay cash directly to policyholders and one of America's best-known brands. Aflac has been recognized as Fortune’s 50 Best Workplaces for Diversity and as one of World’s Most Ethical Companies by Ethisphere.com.

Our business is about being there for people in need. So, ask yourself, are you the duck? If so, there’s a home, and a flourishing career for you at Aflac.

Worker Designation – This role is a remote role. This means you will be expected to work from your home, within the continental US. If the role is remote, there may be occasions that you are requested to come to the office based on business need. Any requests to come to the office would be communicated with you in advance.

What does it take to be successful at Aflac?

Acting with Integrity
Communicating Effectively
Pursuing Self-Development
Serving Customers
Supporting Change
Supporting Organizational Goals
Working with Diverse Populations

What does it take to be successful in this role?

In-depth knowledge of underwriting principles and techniques

Skill in risk-selection principles, medical terminology, and human diseases and disorders as they

relate to risk selection

Proficient personal computer skills using Microsoft office software

Excellent comprehension, writing, and grammar skills

Strong research, mathematical, and reasoning skills

Culturally sensitive and aware

Knowledge of Aflac products

Knowledge of Aflac systems

Microsoft Excel – Advanced

Microsoft Word – Advanced

Microsoft PowerPoint – Advanced

Access - Advanced

SharePoint – Advanced

Business Intelligence – Advanced

Education & Experience Required

Bachelor's Degree business administration or a related field
4 years of work-related experience that has provided a thorough understanding of
underwriting principles and medical terminology/conditions

Or an equivalent combination of education and experience

Education & Experience Preferred

FLMI (Fellow, Life Management Institute), FALU (Fellow, Academy of Life Underwriting), or equivalent training and certification
Group Insurance product knowledge and understanding – Life, Disability and Absence.
Salesforce Knowledge

Travel

Less than or equal to 10%

Principal Duties & Responsibilities

Applying a broad knowledge of lines of business, undertakes assignments requiring a high level

of underwriting technical expertise and proficiency, drawing on considerable experience at the underwriter level; evaluates unique situations that require extensive evaluation; monitors trends and identifies the need for new or revised procedures and practices

Independently appraises and clarifies, and then approves, or declines applications for insurance;

within strict guidelines set for the issuance of policies; handles underwriting pend support; orders and reviews all requirements for underwriting; reviews and handles reinstatement and addition cases

Communicates underwriting decisions to associates, accounts, applicants, and/or internal

departments; researches and responds in writing to requests for information about declined applications; researches and responds to customer requests and inquiries

Reviews and decodes confidential medical information; generates coding to be reported to the

Medical Information Bureau; assists senior underwriter with special medical studies, reports, and product development initiatives

Performs quality checks on less experienced underwriters; completes trend analysis and reports

findings to management; participates in the training and ongoing education of less experienced underwriters and internal business partners; evaluates processes and analyzes root cause and makes recommendations for improvements

Reviews and responds to claim review files; completes annual MIB review and audit; assists with

updating and maintaining the Underwriting guidelines by LOB

Serves as the subject matter expert with latitude for guided action or decision-making regarding

the day-to day services provided by the business unit or operational functions and team processes; interprets and applies division and organizational policies and procedures, and recommends changes or enhancements to procedures or processes

Provides coaching and mentoring on more complex application files to team members, and

communicates training and performance needs to supervisors and employees; uses various evaluation and feedback methods (checking work, problem time, etc.) to measure and communicate performance status; ensures successful transition of new employees from training to the work environment

Performs other related duties as required

Total Rewards

The salary range for this job is $65,000 to $95,000. This range is specific to the job and salary offers consider a wide range of factors that are considered in making compensation decisions, including, but not limited to: education, experience, licensure, certifications, geographic location, and peer compensation. The range has been created in good faith based on information known to Aflac at the time of the posting.

At Aflac, it is not typical for an individual to be hired at or near the top of the range for the role to allow for future and continued salary growth, and compensation decisions are dependent on the circumstances of each case. This salary range does not include any potential incentive pay or benefits, however, such information will be provided separately when appropriate.

In addition to the base salary, we offer an array of benefits to meet your needs including medical, dental, and vision coverage, prescription drug coverage, health care flexible spending, dependent care flexible spending, Aflac supplemental policies (Accident, Cancer, Critical Illness and Hospital Indemnity offered at no costs to employee), 401(k) plans, annual bonuses, and an opportunity to purchase company stock. On an annual basis, you’ll also be offered 11 paid holidays, up to 20 days PTO to be used for any reason, and, if eligible, state-mandated sick leave (Washington employees accrue 1-hour sick leave for every 40 hours worked) and other leaves of absence, if eligible, when needed to support your physical, financial, and emotional well-being. Aflac complies with all applicable leave laws, including, but not limited to, sick and safe leave, and adoption and parental leave, in all states and localities.

PLADS Medical Underwriter