Risk & Underwriting Leadership Development Program Analyst (RULDP) January Class

Cigna Health and Life Insurance Company; Northern (KY); Hybrid; USD 34,000 - 52,000; Full time

Benefits offered by this job

Health benefits

401(k)

Tuition reimbursement

Paid time off

Job summary

The Cigna Group seeks a recent graduate to join its RULDP Evolve underwriting program. You’ll learn risk evaluation, pricing fundamentals, and portfolio management through immersive training, mentorship, and real responsibility. You’ll build confidence to influence strategy and manage risk with purpose and impact.

Based in a hybrid U.S. location, the program features a structured curriculum, leadership development, and potential rotation across products and markets.

Qualifications

• Bachelor’s degree is required.
• Preferred majors/minors include Risk Management, Insurance, Business, Economics, Finance, Management, Mathematics, or Healthcare.
• Demonstrated quantitative capability and comfort with math and numbers.
• Strong written and verbal communication skills.

Responsibilities

• Assess risk characteristics and advise on pricing and terms.
• Apply quantitative analysis to evaluate profitability and trade-offs.
• Help manage a book of business by monitoring performance and trends.
• Collaborate with Sales and Account Management to meet client needs and support retention.
• Negotiate with clients and brokers with clear rationale and follow-through.
• Share best practices to improve underwriting consistency and outcomes.

Skills

Quantitative capability

Written and verbal communication

Negotiation

Education

Bachelor’s degree

Tools

Excel

Job description

Your Future in Underwriting Starts Here. Imagine a career where your ideas, analysis, and judgment help drive smarter decisions and stronger outcomes. In RULDP Evolve at The Cigna Group, you won’t just learn underwriting; you’ll live it. Through immersive training, mentorship, and real responsibility, you’ll gain the confidence and expertise to evaluate risk, influence strategy, and build a career with purpose and impact. Designed to support your transition from academia to industry, this program is ideal for recent graduates and early-career professionals who are curious, motivated, and eager to apply their academic knowledge in a real-world setting.

Key Responsibilities

• Assess risk characteristics and recommend pricing and terms that balance competitiveness with financial discipline.
• Apply quantitative analysis and underwriting judgment to evaluate profitability drivers and articulate trade-offs.
• After training, help manage a book of business by monitoring performance, identifying trends, and taking proactive action.
• Collaborate with Sales and Account Management to design solutions that meet customer needs and support retention.
• Negotiate with clients and brokers using clear rationale, professional presence, and strong follow-through.
• Share insights and best practices that improve underwriting consistency, efficiency, and outcomes.

What You’ll Get

• Structured Curriculum: Comprehensive training modules include risk evaluation, pricing fundamentals, product knowledge, negotiation strategies, portfolio management, and leadership communication.
• Leadership Development: Coaching, workshops, mentoring, and hands‑on business initiatives to accelerate your growth.
• Career Exploration: Job shadowing and strategic projects, plus an optional rotation to broaden exposure across products, markets, and customer segments.
• Mentorship & Networking: Connect with early-career talent and senior leaders dedicated to your professional development.

Required Qualifications

• Bachelor’s degree is required.
• Preferred majors/minors: Risk Management, Insurance, Business, Economics, Finance, Management, Mathematics, or Healthcare.
• If your degree is outside these majors/minors, you must have relevant prior experience or an internship in the analytics, finance, or insurance space.
• Demonstrated quantitative capability (coursework, projects, or experience) and comfort working with math and numbers.
• Strong written and verbal communication skills, including the ability to present recommendations with clarity.

Preferred Qualifications

• GPA 3.0 or higher.
• Strong analytical and critical thinking skills.
• Confident negotiator and problem-solver.
• Customer-focused mindset.
• Proficiency with Excel or similar analytical tools.
• Growth mindset and learning agility; comfortable using feedback to make improvements.

Additional Information

• Start Date: January 11, 2027
• Location: This position is based in Chattanooga, TN; Bloomfield, CT; Scottsdale, AZ; or Denver, CO.
• The role requires a hybrid work schedule, with a minimum of three days per week working onsite (Tuesday, Wednesday, and one additional day of the employee’s choice), and the option to work the remaining days remotely.
• Relocation assistance is not offered, and employees must be able to meet the onsite schedule for their assigned office location.

Pre-Employment Requirements

• Selected candidates will be required to complete mandatory pre‑employment tasks approximately 45 days prior to the program start date.
• Completion of the drug test requires availability within the United States during this timeframe.

Work Authorization

This position is open only to individuals who are eligible for employment in the United States and who would not require visa support including H-1B or CPT/OPT/STEM, etc., now or in the future.

Compensation

• For this position, we anticipate offering an hourly rate of 25 - 38 USD / hourly, depending on relevant factors, including experience and geographic location.
• This role is also anticipated to be eligible to participate in an annual bonus plan.

Internet & Remote Work

For this position, an internet connection must be obtained through a cable broadband or fiber optic internet service provider with speeds of at least 10Mbps download/5Mbps upload.

Benefits

• Starting on day one of your employment, you’ll be offered several health‑related benefits including medical, vision, dental, and well‑being and behavioral health programs.
• 401(k)
• Company paid life insurance
• Tuition reimbursement
• A minimum of 18 days of paid time off per year
• Paid holidays
• Leaves of absence

About Cigna Healthcare

Cigna Healthcare, a division of The Cigna Group, is an advocate for better health through every stage of life. We guide our customers through the health care system, empowering them with the information and insight they need to make the best choices for improving their health and vitality. Join us in driving growth and improving lives.

EEO/DEI Statement

Qualified applicants will be considered without regard to race, color, age, disability, sex, childbirth (including pregnancy) or related medical conditions including but not limited to lactation, sexual orientation, gender identity or expression, veteran or military status, religion, national origin, ancestry, marital or familial status, genetic information, status with regard to public assistance, citizenship status or any other characteristic protected by applicable equal employment opportunity laws.

Tobacco Policy

The Cigna Group has a tobacco‑free policy and reserves the right not to hire tobacco/nicotine users in states where that is legally permissible. Candidates in such states who use tobacco/nicotine will not be considered for employment unless they enter a qualifying smoking cessation program prior to the start of their employment. These states include: Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Georgia, Hawaii, Idaho, Iowa, Kansas, Maryland, Massachusetts, Michigan, Nebraska, Ohio, Pennsylvania, Texas, Utah, Vermont, and Washington State.

Criminal History Consideration

Qualified applicants with criminal histories will be considered for employment in a manner consistent with all federal, state and local ordinances.

Accommodation Requests

If you need a reasonable accommodation to complete the online application process, please email [e-mail] for assistance. Please note that this email inbox is dedicated to accommodation requests only and cannot provide application updates or accept resumes.

Doing something meaningful starts with a simple decision, a commitment to changing lives. At The Cigna Group, we’re dedicated to improving the health and vitality of those we serve. Through our divisions Cigna Healthcare and Evernorth Health Services, we are committed to enhancing the lives of our clients, customers and patients. Join us in driving growth and improving lives.