Director Underwriting - Life, Disability and Supplemental Health

UnitedHealth Group; Hartford (CT); Remote; USD 132,000 - 227,000; Full time

Job summary

A leading health care organization is seeking a Director of Underwriting to manage underwriters and provide leadership for the Financial Protection Product Suite. The role involves strategic decision-making, compliance oversight, and market innovation. Candidates should have extensive experience in Financial Protection underwriting and people management. Competitive salary range is $132,200 to $226,600 annually, with remote flexibility.

Benefits

Comprehensive benefits package

Incentive and recognition programs

401k contribution

Qualifications

• 8+ years of demonstrated Financial Protection underwriting experience.
• 5+ years of people management experience with direct reports.
• Demonstrated experience presenting and collaborating with stakeholders.

Responsibilities

• Manage a team of underwriters supporting the Financial Protection Product Suite.
• Evaluate risk and determine case-specific rating for new business.
• Collaborate with leaders of internal teams and external stakeholders.

Skills

Financial Protection underwriting

People management

Communication skills

Risk management

Analytical skills

Tools

MS Excel

MS Word

MS PowerPoint

Job description

Overview

At UnitedHealthcare, we are simplifying the health care experience, creating healthier communities, and removing barriers to quality care. The work you do here impacts the lives of millions and helps build a health care system that is more responsive, affordable, and equitable. Join us to start Caring. Connecting. Growing together.

The Director of Underwriting for Employer & Individual Local Markets will manage a team of underwriters supporting the Financial Protection (FP) Product Suite: Life, Disability, Absence & the Supplemental Health products (CIPP, APP & HIPP). The FP Director of Underwriting provides leadership to and is accountable for the performance of their team, serves as a technical resource on unique topics, and shares knowledge with broader Specialty underwriting teams. They are responsible for the assigned region for both new business and renewals, with accountability for meeting and/or exceeding financial and membership goals of the regional FP book of business.

The position provides underwriting leadership to evaluate risk and determine case-specific rating for Life, Disability, Leave and Supplemental Health new business and renewals to meet/exceed IOI goals. It is a high-impact leadership role requiring deep underwriting expertise, cross-functional collaboration, and a strong focus on execution and innovation. The FP Director of Underwriting will set national underwriting strategy and targets and work to meet/exceed the specific region\'s financial goals.

You will have the flexibility to work remotely from anywhere in the U.S. Some roles in the Minneapolis or Washington, D.C. area require in-office presence a minimum of four days per week.

Primary Responsibilities

• Strategic Decision-Making & Risk Management
  • Balance customer, business, and health plan needs with financial goals and internal capabilities while complying with federal and state regulations
  • Make risk-based decisions aligned with overall business strategy
  • Evaluate case characteristics and financial impact to mitigate risk
  • Balance revenue and profitability goals with membership targets in pricing decisions
• Stakeholder Collaboration & Communication
  • Collaborate with leaders of internal teams (actuarial, finance, product, growth) and external stakeholders (brokers, customers, reinsurance partners, etc.)
  • Prepare for and participate in Delegation of Authority (DOA) reviews
  • Provide clear, professional responses to inquiries, appeals, and complaints
  • Represent underwriting leadership in strategic cross-functional initiatives and training
• Compliance & Policy Oversight
  • Ensure consistent application of underwriting guidelines and compliance with state/federal regulations
  • Investigate and report on market conduct issues, audit requests, and regulatory inquiries
  • Stay current on changes in policies, procedures, and regulations
• Analytical & Financial Expertise
  • Analyze book of business data to identify opportunities for improvement (pricing, product changes, etc.)
  • Forecast financial targets (revenue, claims, loss ratios, profitability, persistency)
  • Use data from various sources to assess key performance indicators like profitability and persistency against budget and forecasts
  • Meet regularly with reinsurance partners to gain market information and assess health of the block; determine if pricing strategy modifications are needed to meet targets
• Market Insight & Innovation
  • Monitor and develop proposals to respond to market and industry trends to anticipate opportunities and customer needs
  • Develop or refine products, processes, and solutions based on market intelligence and stakeholder feedback
• Underwriting Leadership & Guidance
  • Provide expert consultation on underwriting practices and methodologies
  • Lead development and refinement of underwriting tools, guidelines, and systems; ensure delivery and adoption among underwriting teams
  • Ensure underwriting goals align with broader organizational objectives
  • People Development: coach, mentor, and provide performance feedback to foster growth and career advancement
  • Lead with Our United Culture Values Shadow

Required Qualifications

• 8+ years of demonstrated Financial Protection (Life, STD, LTD, Supp Health) underwriting experience
• 5+ years of people management experience with direct reports
• Demonstrated experience presenting and collaborating with internal and external stakeholders
• Experience delegating and empowering underwriting teams
• Solid risk management and block oversight with experience creating actionable insights from block data and metrics
• Intermediate proficiency with MS Excel, Word, and PowerPoint
• Proven leadership, communication and presentation skills

All employees working remotely will be required to adhere to UnitedHealth Group\'s Telecommuter Policy.

Pay is based on factors including local labor markets, education, work experience, certifications, etc. In addition to salary, benefits include a comprehensive package, incentive and recognition programs, equity stock purchase and 401k contribution (eligibility applies). The salary range for this role is $132,200 to $226,600 annually based on full-time employment. We comply with all minimum wage laws as applicable.

Application Deadline: This posting will be available for a minimum of 2 business days or until a sufficient candidate pool is collected. The posting may come down early due to volume of applicants.

UnitedHealth Group is an Equal Employment Opportunity employer. We are committed to mitigating health disparities and delivering equitable care. We are a drug-free workplace; candidates must pass a drug test before beginning employment.