Senior Underwriting Consultant, Financial Protection - Remote

Job ID: 101264007840Posted: 2026-09-28Location: Hartford, Connecticut, United StatesSalary: $91,700 - $163,700/yearJob Area: Underwriting & PricingCompany: UnitedHealth GroupAt UnitedHealthcare, we're simplifying the health care experience, creating healthier communities and removing barriers to quality care. The work you do here impacts the lives of millions of people for the better. Come build the health care system of tomorrow, making it more responsive, affordable and optimized. Ready to make a difference? Join us to start Caring. Connecting. Growing together.The Senior Underwriting Consultant for E&I will analyze Financial Protection Products- Group Life, Disability and Supplemental Health- plan characteristics and assess risk. They will also utilize underwriting criteria and policies to provide proper rating methodologies. The Senior Underwriting Consultant is responsible for the build, evaluation and recommendation of alternative pricing and plan design options based on economic analysis and trends. Senior Underwriting Consultant will be responsible for protecting profit while balancing sales growth pressure.You'll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week.Primary Responsibilities:Prepare financial modeling for reserve calculation, budget calculation, and other ongoing reviews that directly aligns with client strategiesRisk evaluation skills of Life, LTD, STD and supplemental health products on a manual and experience rated basisValidate - Evaluate renewals and new business request for proposals for accuracy for all size groupsDeliver competitive and consultative proposals and renewal analysis to obtain and persist the inforce blockConduct competitive analysis of all coverage lines and present financial and contractual findingsServes as a functional subject matter expert, providing trusted guidance and acting as a key resource to senior leadershipServe as a mentor to junior underwriters, fostering professional growth through training, feedback, and collaboration on complex underwriting casesYou'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in. Required Qualifications:7+ years of experience in group insurance underwriting for any variety of products: Group Life, Long Term Disability (LTD), Short Term Disability (STD), and Supplemental Health for Voluntary and Employer Paid plan designs.Large case underwriting incorporating group experience in development of pricingExperience in coordinating in development of training and mentoring othersMastery of products including product and contract provisions, plan designs, pricing and various funding arrangementsIntermediate level of proficiency with MS Office suite (including Word and Excel)Demonstrated success collaborating with internal and external partners to develop appropriate case strategiesPreferred Qualifications:Experience contributing to process improvements, automation, or standardization initiativesExperience with involvement in underwriting guidelines development or governanceDemonstrated ability to communicate underwriting rationale to business leaders, sales, and actuarial partnersProven track record of influencing decisions in ambiguous or high-stakes situations*All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter PolicyPay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $91,700 - $163,700 annually based on full-time employment. We comply with all minimum wage laws as applicable.Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants.At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission. UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.UnitedHealth Group is a drug - free workplace. Candidates are required to pass a drug test before beginning employment.