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Underwriting Consultant

Guardian Life, Boston, MA, United States


Large Market Underwriting Consultant The Objective of the

Large Market Underwriting Consultant

will be to work with Sales, Underwriting and Products and Pricing 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 to provide 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, Life, Accident, Critical Illness and Hospital Indemnity 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.

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

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