Job Description

The Senior Underwriter 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 possess top technical competence, the ability to learn how to underwrite new lines of coverage and the ability to deeply analyze the key drivers of insurance plan performance. 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 will

• Recommend competitively priced products, funding arrangements, and services to meet customer requirements

• Leverage all available resources to improve risk management, enhance decision-making, and provide create solutions for internal and external customers

• Determine pricing of new business and/or renewal business, including alternate plan of benefit options, within assigned authority levels

• 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

• Provide consultative services to sales producers, brokers, and/or customers regarding group insurance plans

• Handle administrative processing of cases. Utilize underwriting systems and databases for quotes, sales, and/or renewals to track results

• Ensure accurate and consistent application of Underwriting Policies and Procedures

• Apply knowledge of Federal and State legislation related to Group Insurance Products

• Document case decisions and underwriting rationale

• Effectively works as part of a regional Underwriting Team

• 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

You have

• 5+ years of experience with Group Life, Disability and/or Dental underwriting

• Background in experience-based rating and risk assessment

• Ability to prioritize and efficiently manage multiple work items and due dates

• Proficiency with Underwriting tools and systems.

• Demonstrated ability to leverage AI-driven tools (e.g., Microsoft Copilot) and automation to enhance decision-making and efficiency; comfortable exploring emerging technologies and continuously seeking innovative solutions

• Thorough knowledge of Group Insurance products/processes

• Knowledge of local market competition and strategy (e.g., impact on claim pricing and product choices)

• Excellent 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 command of Word, Excel, and PowerPoint applications

• Continuously strives to provide superior products and customer service

• Takes ownership for meeting individual performance objectives

• Upholds Guardian's commitment to ethical business practices

Critical Skills:

• Risk Assessment & Analytical Thinking

• Financial Analysis & Business Acumen

• Attention to Detail & Regulatory Compliance

• Communication & Negotiation Skills

• Technical Proficiency & Adaptability

LOCATION

Hybrid role - This position requires 3 days in a Guardian office with preferred locations being Bethlehem, PA and Boston, MA. We will consider candidates outside of preferred locations, offering flexible work arrangements if aligned.

Salary Range:

$68,970.00 - $113,310.00

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.

Inspire Well-Being

As part of Guardian's Purpose - to inspire well-being - we are committed to offering contemporary, supportive, flexible, and inclusive benefits and resources to our colleagues. Explore our company benefits at . Benefits apply to full-time eligible employees. Interns are not eligible for most Company benefits.

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 MyHR@glic.com. 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 is not currently or in the foreseeable future sponsoring employment visas. In order to be a successful applicant. you must be legally authorized to work in the United States, without the need for employer sponsorship.

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

Every day, Guardian helps our 29 million customers realize their dreams through a range of insurance and financial products and services. Our Purpose, to inspire well-being, guides our dedication to the colleagues, consumers, and communities we serve. We know that people count, and we go above and beyond to prepare them for the life they want to live, focusing on their overall well-being - mind, body, and wallet. As one of the largest mutual insurance companies, we put our customers first. Behind every bright future is a GuardianTM. Learn more about Guardian at guardianlife.com .

Visa Sponsorship:

Guardian Life is not currently or in the foreseeable future sponsoring employment visas. In order to be a successful applicant, you must be legally authorized to work in the United States, without the need for employer sponsorship.

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