Senior Stop-Loss Underwriter – Self-Funded Health Plans

Highmark Health; Bristol (RI); On-site; USD 79,000 - 127,000; Full time

Job summary

HM Insurance Group is seeking an experienced underwriter to price quotes and analyze group contracts based on claims experience, employee group characteristics, and risk structure. You will use underwriting authority within policy guidelines, identify quotes to decline, prepare financial exhibits, and provide analyses to clients, producers, and internal teams to drive profitability.

The ideal candidate has a Bachelor's degree in a quantitative field and 5–7 years of underwriting experience;

Qualifications

• Bachelor's degree in a quantitative field.
• 5–7 years underwriting experience in self-funded or conversion to self-funding.
• Strong math aptitude and ability to interpret financial exhibits.

Responsibilities

• Renew accounts and write new business at profitable levels.
• Calculate rates and interpret pricing policy.
• Identify questionable claim patterns and adjust pricing accordingly.
• Apply corporate risk management policies and adjust for unusual situations.
• Communicate recommendations and influence pricing decisions.

Skills

Underwriting

Risk assessment

Stakeholder communication

Mathematical aptitude

Analytical thinking

Education

Bachelor's Degree in Mathematics, Actuarial Science, Finance, Business, CS or other quantitative analysis

6 years relevant, progressive experience in underwriting

Job description

HM Insurance Group is seeking an experienced underwriter to price quotes and analyze group contracts based on claims experience, employee group characteristics, and risk structure. You will use underwriting authority within policy guidelines, identify quotes to decline, prepare financial exhibits, and provide analyses to clients, producers, and internal teams to drive profitability.

The ideal candidate has a Bachelor's degree in a quantitative field and 5–7 years of underwriting experience;