Senior Underwriting Consultant

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by diversity and inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health equity on a global scale. Join us to start Caring. Connecting. Growing together.

The Senior Underwriting Consultant 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.

Careers with Optum offer flexible work arrangements and individuals who live and work in the Republic of Ireland will have the opportunity to split their monthly work hours between our Letterkenny office and telecommuting from a home-based office in a hybrid work model.

Primary Responsibilities:

• Solid risk evaluation skills of Life, LTD, STD and supplemental health products on a manual and experience rated basis
• Prepare and evaluate renewals and new business request for proposals for accuracy for all size groups
• Deliver competitive and consultative proposals and renewal analysis to obtain and persist the in-force block
• Conduct competitive analysis of all coverage lines and present financial and contractual findings
• Serves as a functional subject matter expert, providing trusted guidance and acting as a key resource to senior leadership

You will 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 providing development for other roles you may be interested in.

Required Qualifications:

• Bachelor's degree or equivalent work experience
• Demonstrated solid mathematical ability
• Proven extensive experience in group insurance underwriting across products such as Group Life, Long Term Disability (LTD), Short Term Disability (STD), Supplemental Health, and/or risk assessment or financial analytics
• Proven experience in large case underwriting, including development of pricing strategies
• Demonstrated mastery of insurance 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
• Proven experience coordinating the development of training and mentoring others
• Demonstrated knowledge of industry and marketplace trends
• Demonstrated intermediate proficiency in Microsoft Office applications, including Word and Excel

Preferred Qualifications:

• Demonstrated solid ability to present and communicate underwriting rationale to business leaders, sales teams, and actuarial partners
• Adherence to underwriting guidelines development or governance
• Proven track record of making decisions in ambiguous or high stakes situations
• Proven experience contributing to process improvements, automation, or standardization initiatives

Please note you must currently be eligible to work and remain indefinitely without any restrictions in the country to which you are making an application. Proof will be required to support your application.  

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.


Diversity creates a healthier atmosphere: Optum is an Equal Employment Opportunity employer and all qualified applicants will receive consideration for employment without regard to gender, civil status, family status, sexual orientation, disability, religion, age, race, and membership of the Traveller community, or any other characteristic protected by law. Optum is a drug-free workplace. © 2026 Optum Services (Ireland) Limited. All rights reserved.

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