Start Date: January 2021
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The Risk Management and Underwriting Lead Analyst – Supplemental Health is responsible for new and inforce business underwriting for Group Accidental Injury (AI), Critical Illness (CI) and Hospital Care (HC) insurance products. New business underwriting for this position will focus on employer groups from 250 lives + supporting a variety of markets. New business underwriting will consist of performing strategic case specific risk assessments to develop appropriate premium rates for a given risk to support the market’s growth and profitability goals.
Candidates for this position will be required to quickly learn the supplemental manual rating models and related pricing tools; knowledge of pricing adjustments and available plan designs; and an ability to assess financial risk based on multiple information sources.
The underwriter is responsible for account level rate development and conducting customer negotiations with other underwriting areas and Sales on their book of business. The underwriter will evaluate and analyze total case profitability and develop strategic recommendations related to market competition, product development, and market pricing decisions.
This position will require assisting Sales partners with underwriting data and financial exhibits on customer presentations. Collaboration with product/pricing matrix partners is also required to provide input on market level products and pricing needs.
Perform case-specific risk assessments and rate development for presale and inforce business
Develops strategic recommendations related to market competition, product development, and market pricing decisions.
Drive consultative engagement with Sales and Producers/Clients through presale and inforce case level strategies, market discussions, book of business reviews, consulting as a resource on underwriting guidelines and training opportunities.
Actively engage with other underwriting matrix partners in setting case level strategies (i.e. Medical, Dental, Accident, etc.)
Actively collaborates with product/pricing matrix partners to provide input on market level product and pricing needs.
Conducts negotiations with other underwriting areas and Sales on assigned inforce book of business and new business opportunities
Independently hold calls with Sales, brokers, or clients.
Mentors new hires and/or underwriters in training
Requires Bachelor’s degree or equivalent work experience.
Demonstrated success in risk assessment with strong analytical skills.
Demonstrated success in developing highly respected, value-add business relationships through partnership and expertise.
Demonstrated ability to conduct negotiations with internal and external business partners
A minimum of 3-4 years of Underwriting experience. Background in AI/CI/HC Underwriting is not required
Ability to work effectively in a dynamic, rapidly changing, team-based environment.
Ability to foster collaboration across a team with diverse backgrounds and perspectives.
Location: This position can be located anywhere in the U.S., including Work at Home
Cigna Corporation (NYSE: CI) is a global health service company dedicated to improving the health, well-being and peace of mind of those we serve. We offer an integrated suite of health services through Cigna, Express Scripts, and our affiliates including medical, dental, behavioral health, pharmacy, vision, supplemental benefits, and other related products. Together, with our 74,000 employees worldwide, we aspire to transform health services, making them more affordable and accessible to millions. Through our unmatched expertise, bold action, fresh ideas and an unwavering commitment to patient-centered care, we are a force of health services innovation.
When you work with Cigna, you’ll enjoy meaningful career experiences that enrich people’s lives while working together to make the world a healthier place. What difference will you make? To see our culture in action, search #TeamCigna on Instagram.
Qualified applicants will be considered without regard to race, color, age, disability, sex, childbirth (including pregnancy) or related medical conditions including but not limited to lactation, sexual orientation, gender identity or expression, veteran or military status, religion, national origin, ancestry, marital or familial status, genetic information, status with regard to public assistance, citizenship status or any other characteristic protected by applicable equal employment opportunity laws.
If you require reasonable accommodation in completing the online application process, please email: [email protected] for support. Do not email [email protected] for an update on your application or to provide your resume as you will not receive a response.
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