PLADS Group Underwriter III

Aflac; Columbus (GA); Hybrid; USD 90,000 - 120,000; Full time

Benefits offered by this job

Medical coverage

Dental coverage

Vision coverage

401(k) plans

Annual bonuses

Job summary

Aflac, a Fortune 500 company, seeks a senior financial underwriter for group life, STD, LTD and Leave products. You will review policies, provide underwriting guidance, and maintain risk standards while collaborating with distributors and internal teams.

Location options include hybrid or remote work within the continental US. Applicants should have 4+ years of underwriting experience for large employer groups and a Bachelor's degree in a related field. Competitive benefits are provided.

Qualifications

• Bachelor's degree in a related field.
• 4+ years of financial underwriting experience with Group Life, STD, LTD and Leave products for employer groups >1,000 lives (or 5 years with 2 years for >1,000 lives).
• Knowledge of underwriting policies, procedures and governance tools.

Responsibilities

• Provides high-quality underwriting support and guidance to customers and distributors.
• Maintains distributor relationships by ensuring correct evidence and rating decisions.
• Reviews information and advises on procedural and regulatory requirements.
• Contributes to development of underwriting standards and procedures to meet business goals.
• Implements improvements to underwriting processes and risk assessment.

Skills

Underwriting knowledge

Strong math skills

Excel proficiency

Communication skills

Integrity and ethics

Education

Bachelor's Degree in a related field

Tools

Microsoft Excel

Job description

We27ve Got You Under Our WingWe are the duck. We develop and empower our people, cultivate relationships, give back to our community, and celebrate every success along the way. We do it all.

The Company: Aflac Columbus

The Location:

Remote, US, 31999 Shelton, CT, US, 6484

The Division: PLADS

Salary Range: $90,000 - $120,000

Job Posting End Date: August 31, 2026

We27ve Got You Under Our Wing We are the duck. We develop and empower our people, cultivate relationships, give back to our community, and celebrate every success along the way. We do it all. Wed Aflac Way.

Aflac, a Fortune 500 company, is an industry leader in voluntary insurance products that pay cash directly to policyholders and one of Americas best-known brands. Aflac has been recognized as Fortune Best Workplaces for Diversity and as one of Worlds Most Ethical Companies by Ethisphere.com.

Our business is about being there for people in need. So, ask yourself, are you the duck? If so, theres a home, and a flourishing career for you at Aflac.

Work Designation. Depending on your location within the continental US, this role may be hybrid or remote.

• If you live within 50 miles of the Aflac offices located in Columbus, GA or Columbia, SC, this role will be hybrid. This means you will be expected to work in the office for at least 60% of the work week. You will work from your home (within the continental US) for the remaining portion of the work week. Details of this schedule will be discussed with your leadership.
• If you live more than 50 miles from the Aflac offices located in Columbus, GA or Columbia, SC, this role will be remote. This means you will be expected to work from your home, within the continental US. If the role is remote, there may be occasions that you are requested to come to the office based on business need. Any requests to come to the office would be communicated with you in advance.

What does it take to be successful at Aflac?

• Acting with Integrity
• Communicating Effectively
• Pursuing Self-Development
• Serving Customers
• Supporting Change
• Supporting Organizational Goals
• Working with Diverse Populations

What does it take to be successful in this role?

• Has extensive knowledge of changes to policies, procedures, and governance tools, to ensure processes are up-to-date, reflect new policies and facilitate implementation within own work area
• Solid Group Life/Disability underwriting knowledge
• Understanding of Group Life and Disability products and services, affiliated systems and applicable operational policies and procedures
• Strong math skills
• Strong Microsoft Excel skills
• Knowledge and skills in experience rating Life, STD, LTD, Leave products and analyzing competitor experience data

Education & Experience Required

• Bachelor's Degree In a related field
• 4 years of financial underwriting experience with Group Life, STD, LTD and Leave products for employer groups exceeding 1,000 covered lives or 5 years of financial underwriting experience with Group Life, STD, LTD, and Leave products, including 2 years of experience for employer groups exceeding 1,000 covered lives

Or an equivalent combination of education and experience

Principal Duties & Responsibilities

• Completes assignments of high complexity while working within delegated authority
• Provides technical underwriting support and guidance to customers and distributors, consistently providing excellent customer service
• Maintains distributor relationships by consistently requesting the correct evidence, consistently making the correct decision and always explaining rating decisions
• Completes a range of queries and referrals within agreed authority limits, measuring the exposure analyzing the risk of each case to maintain underwriting standards
• Proactively contributes to the development and improvement of technical underwriting standards, controls, practices and procedures to better meet business goals
• Proactively contributes ideas and work for the development of new or enhanced propositions /procedures/philosophy, ensuring we charge the right premium for the associated risk
• Proactively supports development of self and others and contributing to a positive and supportive team culture
• Identifies training opportunities for self and others and assists with training as directed
• Works closely with distributors and other operational areas to support the overall achievement of the business plan, demonstrating knowledge in underwriting expertise, systems, procedures and processes
• Assists with quality reviews in order to help identify, assess and take action to mitigate risks to achievement of underwriting goals and objectives
• Undertakes investigations and inspections of data, processes and practice to identify potential or actual compliance issues and recommend appropriate action
• Collates and analyzes data and make recommendations to support the underwriters decision making process
• Assesses and evaluates underwriting processes in order to identify areas for improvement, tracking actions and monitoring implementation to demonstrate the impact that change may have
• Acts as lead technical resource for standard methodologies and systems knowledge to enable underwriters to deliver to customers efficiently and effectively
• Reviews and interprets information and advises internal clients of appropriate action to fulfill procedural and regulatory requirements
• Performs other duties as required

Total Rewards

The salary range for this job is $90,000 - $120,000. This range is specific to the job and salary offers consider a wide range of factors that are considered in making compensation decisions, including, but not limited to: education, experience, licensure, certifications, geographic location, and peer compensation. The range has been created in good faith based on information known to Aflac at the time of the posting.

At Aflac, it is not typical for an individual to be hired at or near the top of the range for the role to allow for future and continued salary growth, and compensation decisions are dependent on the circumstances of each case. This salary range does not include any potential incentive pay or benefits, however, such information will be provided separately when appropriate.

In addition to the base salary, we offer an array of benefits to meet your needs including medical, dental, and vision coverage, prescription drug coverage, health care flexible spending, dependent care flexible spending, Aflac supplemental policies (Accident, Cancer, Critical Illness and Hospital Indemnity offered at no costs to employee), 401(k) plans, annual bonuses, and an opportunity to purchase company stock. On an annual basis, youll be offered 11 paid holidays, up to 20 days PTO to be used for any reason, and, if eligible, state-mandated sick leave and other leaves of absence, if eligible, when needed to support your physical, financial, and emotional well-being. Aflac complies with all applicable leave laws, including, but not limited to, sick and safe leave, and adoption and parental leave, in all states and localities.

Nearest Major Market: Columbus GA