Underwriter

We are seeking an Underwriter for a direct hire opportunity in San Juan, PR within the insurance industry. This role focuses on fully insured group health and life insurance accounts, supporting renewal evaluations through claims analysis, utilization review, pricing support, and data-driven recommendations.

This is an excellent opportunity for an analytical insurance or finance professional who enjoys working with data, identifying trends, and contributing to sound business decisions. The role offers exposure to underwriting, renewals, pricing methodologies, and cross-functional collaboration in a stable, team-oriented environment with supportive leadership and opportunities to strengthen technical expertise.

Key Responsibilities

- Collect, validate, and analyze claims, utilization, benefits, demographic, and financial data for fully insured group account renewals.
- Prepare claims projections, renewal analyses, and supporting documentation for review by senior team members or management.
- Apply established underwriting methodologies and actuarial factors to support renewal rate analysis and claims cost projections.
- Evaluate plan design changes, including copayments, deductibles, and coinsurance, and assess their impact on utilization and claims costs.
- Review claims experience, utilization trends, and renewal history to identify performance drivers and account variations.
- Collaborate with Account Executives and internal departments by providing renewal-related analysis and responding to data requests.

Compensation and Benefits

- Salary: $55,000 per year.
- Job Type: Direct Hire.

Required Qualifications and Skills

- Bachelor’s degree in Business Administration with a concentration in Statistics, Finance, Quantitative Methods, Mathematics, Economics, or a related field.
- Minimum of 2 years of experience in data analysis, health insurance underwriting, pricing, financial analysis, or renewals of fully insured group accounts.
- Strong quantitative, analytical, and problem-solving skills.
- Ability to interpret claims experience, utilization patterns, plan design details, and financial data.
- Proficiency working with internal systems, databases, reporting tools, and spreadsheet-based analysis.
- Intermediate to advanced English proficiency.
- Strong attention to detail, accuracy, organization, and documentation skills.
- Ability to collaborate effectively with Account Executives, underwriting teams, and internal business partners.

Preferred Qualifications

- Experience in the health insurance industry.
- Experience with fully insured group health or life insurance account renewals.
- Familiarity with underwriting methodologies, actuarial factors, pricing support, or claims cost projection processes.
- Experience using databases, reporting tools, and quantitative analysis platforms.

Equal Opportunity Employer / Disabled / Protected Veterans

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For temporary assignments lasting 13 weeks or longer, AppleOne is pleased to offer major medical, dental, vision, 401k and any statutory sick pay where required.

We are committed to working with and providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation for any part of the employment process, please contact your staffing representative who will reach out to our HR team.

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We also consider for employment qualified applicants regardless of criminal histories, consistent with legal requirements, including, if applicable, the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. Pursuant to applicable state and municipal Fair Chance Laws and Ordinances, we will consider for employment-qualified applicants with arrest and conviction records, including, if applicable, the San Francisco Fair Chance Ordinance. For Los Angeles, CA applicants: Qualified applications with arrest or conviction records will be considered for employment in accordance with the Los Angeles County Fair Chance Ordinance for Employers and the California Fair Chance Act.