Employee Benefits, Underwriting Analyst

The Hartford; Florida; Hybrid; USD 48,000 - 72,000; Full time

Job summary

The Hartford is seeking an Underwriting Analyst (UA) to support Underwriters for Regional and National Accounts, handling pre-sales, renewals, plan changes, and reporting. You will interpret contracts to develop manual rates and ensure data integrity across census, pricing, and renewal processes.

This hybrid role requires 3 days in office (Hartford, CT; Alpharetta, GA; or Lake Mary, FL) and 3+ years in employee benefits with strong Excel/Office skills.

Qualifications

• 3+ years’ work experience; employee benefits experience a plus.
• Proficient in MS Office; Excel formulas, v-lookup, pivot tables; PowerPoint knowledge preferred.
• Strong verbal and written communication skills.
• Ability to multi-task in a fast-paced environment.
• Demonstrated curiosity and initiative to expand technical expertise and consultative capabilities.

Responsibilities

• Supports Underwriters for Regional and National Accounts in pre-sales, renewals, plan changes and reporting.
• Reviews RFP submissions and census for completeness; requests missing information.
• Interprets contracts to create ratings and develop manual rates; notes discrepancies.
• Maintains target accuracy (97% target and 93% minimum) for delivering ratings by due date; ensures data integrity.
• Populates Renewal Notes Template and summarizes renewal information for Underwriter.

Skills

Advanced Excel

PowerPoint

Verbal & Written Communication

Time Management

Organizational Skills

Employee Benefits experience

Job description

UW Analyst - UO09CN

We’re determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals – and to help others accomplish theirs, too. Join our team as we help shape the future.

The Underwriting Analyst (UA) supports Underwriters for both Regional Accounts (1,000-4,999 lives) and National Accounts (5,000+ lives) business. The functions the UA supports are: pre-sales, renewals, plan changes, and customer experience reporting. Key responsibilities include:

Pre-sale

• Reviews RFP submissions and census for completeness and accuracy. Requests missing information from the Underwriter.
• Interprets group life, long-term disability, short-term disability, accidental death & dismemberment, accident & critical illness contracts/booklets to create ratings based on the in-force plan design, to develop manual rates. Highlights any discrepancies while utilizing independent thinking skills to propose alternate plan designs as necessary to closely match plan designs.

Renewals/Plan Changes/Reporting

• Initiates consultative huddle discussion with the Underwriter to gain clarity on any outstanding questions and review proposed plan designs.
• Consistently maintains 97% target and minimum 93% accuracy for delivering ratings by assigned due date. Renewal
• Locates current census and checks for completeness and applies data integrity elements; escalating when viable census is not received.
• Compares renewal census with current premium and experience reporting to identify any discrepancies and notes any concerns.
• Reviews current plan, researches and applies any plan changes from prior renewal.
• Reviews experience information and inputs required data into pricing tools to develop formula rate.
• Identifies and troubleshoots discrepancies as needed.
• Initiates consultative huddle discussion with the Underwriter to gain clarity on any outstanding questions, summarizes the renewal information, highlights areas of concern, and makes recommendation to Underwriter
• Populates Renewal Notes Template

Qualifications

• 3+ years’ work experience, experience in Employee Benefits a plus
• Solid MS Office Knowledge including Microsoft Excel formulas, sorting, v-look-ups, pivot tables; PowerPoint knowledge preferred
• Strong verbal and written communication skills
• Demonstration of solid time, organizational, and desk management skills with ability to multi-task in a fast-paced environment.
• Strong commitment to continuous learning, with curiosity and initiative to expand technical expertise, strengthen consultative capabilities, and adopt new tools.

Work Arrangement

This role will have a Hybrid work schedule, with the expectation of working in an office (Hartford, CT; Alpharetta, GA; or Lake Mary, FL) 3 days a week (Tuesday through Thursday).

Compensation

The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford’s total compensation package for employees. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition. The annualized base pay range for this role is: $48,071 - $72,107

Equal Opportunity Employer/Sex/Race/Color/Veterans/Disability/Sexual Orientation/Gender Identity or Expression/Religion/Age