Underwriting Consultant

Underwriting Consultant, Large Market

The objective of the Underwriting Consultant, Large Market will be to work with Sales, Underwriting, Products and Pricing areas to profitably grow Guardian's Large Market revenue and market share in the 1,000 lives and over market space. Key objectives will be to achieve targeted sales and earnings goals, train, and mentor less experienced underwriters, manage complex technical underwriting issues, train account management, handle projects and recommend policy and strategy changes.

The Underwriting Consultant is responsible for providing pricing and plan design for companies with 1,000 or more lives utilizing prior claim experience and manual rates. Products include Group Dental, Vision, FMLA, STD, LTD, and Life insurance. The underwriter will be an excellent negotiator who builds collaborative relationships with Sales and other areas of Guardian to solve business issues and win. The underwriter will be both a confident communicator and an independent decision-maker.

You are:

• A leader who will exhibit Guardian's Ways of Working: Think Big and Grow, Accelerate Impact, and Lead Change
• One who continuously strives to provide superior products and customer service
• Accountable and willing to take ownership for meeting individual performance objectives
• Ethical - you will uphold Guardian's commitment to ethical business practices and lead by example

You will:

• Recommend competitively priced products, funding arrangements, and services to meet customer requirements
• Determine pricing of new business and/or renewal business, including alternate plan of benefit options
• Communicate rate/fee development and plan design offered. Assess contract comparisons for takeover business
• Negotiate with sales representatives or agents/brokers to resolve rate questions and risk related concerns
• Manage administrative processing of cases. Utilize underwriting systems and databases for quotes, sales, renewals to track results
• Document case decisions and underwriting rationale
• Provide mentoring/coaching to help develop technical skills of others, support team growth, and development initiatives
• Conduct training for sales and/or underwriting staff as needed
• Participate in project work or on teams to develop or improve underwriting processes.
• Responsible for oversight and identification of any barriers to achievement of financial goals. Produce solutions that lead to target result achievement
• Improve Guardian's underwriting strategies to support key growth goals and to assume an industry leadership position in the 1,000+ employer marketplace
• Have the opportunity to enhance the overall talent and knowledge level of Large Market Underwriting, Sales, and Account Management
• Be a go to person for technical issues and decision making for other team members
• Advise others on how to handle irregular administrative requests or technical underwriting risk analysis based not only on experience, but also as capacity as a leader
• Be a go to person for the Regional Underwriting Leader for the most complex work or key project work
• Handle a delegated part of a larger task for completion and integration with the overall deliverable
• In addition to being a participant on a project, be a leader within a project team or process team who defines, organizes, and directs tasks that need to get done
• Help support Large Market team management with activities that are key drivers for the team to achieve results
• Continuously evaluate underwriting strategies, guidelines, and pricing relative to Guardian's internal results and external competitive position
• Recommend policy strategy changes. Evaluate processes and make recommendations for changes. Assist in development, implementation, and training

You have:

• 5+ years of experience with Group Life, Disability, and/or Dental underwriting
• Background in experience-based rating and risk assessment
• Demonstrated ability to prioritize and efficiently manage multiple work items and due dates
• Proficiency of Underwriting tools and systems
• Thorough knowledge of Group Insurance products/processes
• Knowledge of local market competition and strategy (e.g., impact on claim pricing and product choices)
• Proven analytical and mathematical skills and ability to apply them to complex cases and issues
• Ability to make decisions, solve problems and meet challenges in completing work
• Strong negotiation and conflict resolution skills
• Proven ability to work independently
• Excellent verbal and written communication and presentation skills
• Effective use of Word, Excel, and PowerPoint applications

Location

This is a hybrid position requiring 3 days a week in a Guardian office, in commutable proximity to a Guardian Life Hub. Boston (preferred), Bethlehem PA, NYC or Holmdel NJ.

Salary Range:

$103,450.00 - $169,960.00

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 determined based on the education, experience, knowledge, and abilities of the successful candidate. In addition to salary, this role may also be eligible for annual, sales, or other incentive compensation.

Our Promise

At Guardian, you'll have the support and flexibility to achieve your professional and personal goals. Through skill-building, leadership development and philanthropic opportunities, we provide opportunities to build communities and grow your career, surrounded by diverse colleagues with high ethical standards.

Equal Employment Opportunity

Guardian is an equal opportunity employer. All qualified applicants will be considered for employment without regard to age, race, color, creed, religion, sex, affectional or sexual orientation, national origin, ancestry, marital status, disability, military or veteran status, or any other classification protected by applicable law.

Accommodations

Guardian is committed to providing access, equal opportunity and reasonable accommodation for individuals with disabilities in employment, its services, programs, and activities. Guardian also provides reasonable accommodations to qualified job applicants (and employees) to accommodate the individual's known limitations related to pregnancy, childbirth, or related medical conditions, unless doing so would create an undue hardship. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact View email address on click.appcast.io. Please note: this resource is for accommodation requests only. For all other inquires related to your application and careers at Guardian, refer to the Guardian Careers site.

Visa Sponsorship

Guardian Life is not currently or in the foreseeable future sponsoring employment-based visas (e.g., such as an H-1B). In order to be a successful applicant, you must be legally authorized to work in the United States, without the need for employer sponsorship/support now or at any time in the future.

Notice Regarding Guardian's Use of Artificial Intelligence in Recruitment

As part of Guardian's job application process, Guardian may use artificial intelligence tools ("AI Tools") to automate the sorting and filtering of information provided by applicants as part of its preliminary screening. This preliminary screening may be used to help identify applicant materials and resumes relative to their indication that the applicant meets the requirements for the specific job for which they are applying, as specified in the listing posted on Guardian's jobs website (Careers at Guardian at At Guardian, we do not use AI Tools to substantially assist or replace human judgment or discretionary decision making in our hiring process. All hiring decisions will be made by Guardian colleagues.

Please be aware that if you apply for a specific position with Guardian, you will have the choice of opting out of Guardian's use of AI Tools during the job application process. If you would like to request an alternative process that does not utilize AI Tools or would like to request a reasonable accommodation, within ten business days of your position application, you must email your request to View email address on click.appcast.io, making sure to provide your name and job requisition identification number. Guardian will retain your applicant materials and resume and all information therefrom in accordance with Guardian's document retention policy, a copy of which you may request via View email address on click.appcast.io.

Additionally, at applicable times, Guardian will make public the most recent bias audit results for such AI tools, which may be found here.

Current Guardian Colleagues: Please apply through the internal Jobs Hub in Workday.