Life & Disability Financial Underwriter

Humana; United States; Remote; USD 59,000 - 81,000; Full time

Job summary

Join a dynamic community at Humana as a Life & Disability Financial Underwriter, where your expertise will help shape the future of health services. This role demands strong analytical capabilities and negotiation skills, working directly with life and disability opportunities. The position balances a fast-paced work environment with the fulfillment of contributing positively to consumer experiences. You'll be engaged in both rate computations and risk analysis, with supportive benefits that prioritize your well-being.

Benefits

Medical, dental, and vision benefits

401(k) retirement savings plan

Paid time off and holidays

Short-term and long-term disability

Life insurance

Qualifications

• Two or more years of Life, AD&D, Short Term and Long Term Disability underwriting and risk analysis.
• Comprehensive understanding of risk pool management and manual rating.
• Strong analysis and evaluation experience with the ability to negotiate.

Responsibilities

• Compute rates for group life and disability accounts for both renewing and prospective clients.
• Provide expense estimates and analyze financial exhibits.
• Prepare offers for clients in small and mid-market segments.

Skills

Negotiation

Analytical Skills

Customer Service Orientation

Education

Bachelor's degree or equivalent experience

Tools

Microsoft Excel

Microsoft Word

Microsoft Access

Job description

Become a part of our caring community and help us put health first

The Life & Disability Financial Underwriter computes rates for both renewing and prospective group life and disability accounts. The Life & Disability Financial Underwriter work assignments are varied and frequently require interpretation and independent determination of the appropriate courses of action.

Become a part of our caring community and help us put health first

The Life & Disability Financial Underwriter computes rates for both renewing and prospective group life and disability accounts. The Life & Disability Financial Underwriter work assignments are varied and frequently require interpretation and independent determination of the appropriate courses of action.

The Life & Disability Financial Underwriter will work with Life, AD&D, Short Term and Long Term Disability opportunities to prepare offers for prospective and renewal clients primarily in the small and mid-market segments. P rovid ing appropriate rationale and support to Sales, clients and other areas within the organization surrounding risk selection, financial analysis, rate computations and financial activity. Provides expense estimates and accurate analysis of financial exhibits. Understands department, segment, and organizational strategy and operating objectives, including their linkages to related areas. Makes decisions regarding own work methods, occasionally in ambiguous situations, and requires minimal direction, receiving guidance where needed. Follows established guidelines/procedures.

Use your skills to make an impact

Required Qualifications

• Bachelor's degree or equivalent experience
• Two or more years of Life, AD&D, Short Term and Long Term Disability underwriting and risk analysis
• Comprehensive understanding of risk pool management, manual rating
• Knowledge of the competitor landscape
• Strong negotiation skills
• Proficiency with Microsoft Word, Excel and Access
• Must be passionate about contributing to an organization focused on continuously improving consumer experiences
• Customer service orientation
• Strong analysis and evaluation experience with the ability to negotiate with field partners as well as present to leadership the direction and support of options

Preferred Qualifications

• Familiarity with Large Group experience rating for Life and Disability
• Industry related course work is preferred but not required

Additional Information

• Experience with other Employee Benefits such as Dental and Vision is beneficial

Travel: While this is a remote position, occasional travel to Humana's offices for training or meetings may be required.

Scheduled Weekly Hours

40

Pay Range

The compensation range below reflects a good faith estimate of starting base pay for full time (40 hours per week) employment at the time of posting. The pay range may be higher or lower based on geographic location and individual pay will vary based on demonstrated job related skills, knowledge, experience, education, certifications, etc.$59,300 - $80,900 per yearThis job is eligible for a bonus incentive plan. This incentive opportunity is based upon company and/or individual performance.

Description of Benefits

Humana, Inc. and its affiliated subsidiaries (collectively, “Humana”) offers competitive benefits that support whole-person well-being. Associate benefits are designed to encourage personal wellness and smart healthcare decisions for you and your family while also knowing your life extends outside of work. Among our benefits, Humana provides medical, dental and vision benefits, 401(k) retirement savings plan, time off (including paid time off, company and personal holidays, volunteer time off, paid parental and caregiver leave), short-term and long-term disability, life insurance and many other opportunities.Application Deadline: 06-26-2025

About us

Humana Inc. (NYSE: HUM) is committed to putting health first – for our teammates, our customers and our company. Through our Humana insurance services and CenterWell healthcare services, we make it easier for the millions of people we serve to achieve their best health – delivering the care and service they need, when they need it. These efforts are leading to a better quality of life for people with Medicare, Medicaid, families, individuals, military service personnel, and communities at large.

Equal Opportunity Employer

It is the policy of Humana not to discriminate against any employee or applicant for employment because of race, color, religion, sex, sexual orientation, gender identity, national origin, age, marital status, genetic information, disability or protected veteran status. It is also the policy of Humana to take affirmative action, in compliance with Section 503 of the Rehabilitation Act and VEVRAA, to employ and to advance in employment individuals with disability or protected veteran status, and to base all employment decisions only on valid job requirements. This policy shall apply to all employment actions, including but not limited to recruitment, hiring, upgrading, promotion, transfer, demotion, layoff, recall, termination, rates of pay or other forms of compensation and selection for training, including apprenticeship, at all levels of employment.

About the company

Humana looks at every facet of your life and works with you to create a path to health that fits your unique needs

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