Underwriting Consultant, Financial Protection - Remote

At 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 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 Underwriting Consultant is responsible for the build, evaluation and recommendation of alternative pricing and plan design options based on economic analysis and trends. 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 strategies
• Review and validate renewal and new business proposals for quality and accuracy across all group sizes
• Deliver timely, competitive, and consultative proposals that support growth and profitability
• Manage a block of business through the renewal process, with a focus on profitability, retention and cross sale growth
• Conduct competitive analysis of all coverage lines and present financial and contractual finding
• Provide mentorship and development support to developing underwriters

You'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:

• 5+ 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 pricing
• Experience in coordinating in development of training and mentoring others
• Experience in industry and marketplace trends
• Intermediate level of proficiency with MS Office suite (including Word and Excel)
• Proven mastery of products including product and contract provisions, plan designs, pricing and various funding arrangements
• Demonstrated success collaborating with internal and external partners to develop appropriate case strategies

Preferred Qualifications:

• Solid Risk evaluation skills of Life, LTD, STD and/or Supplemental Health products on a manual and experience rated basis
• Experience contributing to process improvements, automation, or standardization initiatives
• Proven exceptional Math ability
• Proven solid ability to communicate underwriting rationale to business leaders, sales, and actuarial partners
• Proven 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 Policy

Pay 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 $72,800 to $130,000 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.