Senior Stop-Loss Underwriter — Self-Funded Plans

Highmark Health; Lansing (MI); On-site; USD 79,000 - 127,000; Full time

Job summary

HM Insurance Group in the United States seeks an underwriting professional to price quotes and analyze contract structures for group plans. You will evaluate risk, apply underwriting policies, and provide analyses to drive profitability and growth while guiding lower-level staff and collaborating with stakeholders.

Requires 5–7 years of underwriting experience with self-funded or converting plans. Bachelor’s degree in a quantitative field is mandatory, with strong math and analytical skills.

Qualifications

• Bachelor's degree in a quantitative discipline.
• Substitution: 6 years relevant experience.
• 5–7 years underwriting experience in self-funded and converting prospects to self-funding.

Responsibilities

• Manage a book of renewal and new business at profitable levels to meet targets.
• Calculate rates and interpret pricing policy for unusual situations.
• Identify questionable claim patterns and develop recommendations for renewal prospects.
• Apply corporate risk management policies and adjust pricing for special cases.
• Ensure client compliance with risk management policies and enrollment criteria.
• Support internal initiatives including fraud detection, compliance, wellness, and product development.
• Complete renewals and quotes; review lower-level analyst work for timeliness and accuracy.

Skills

Stakeholder communication

Analytical thinking

Negotiation

Problem solving

Mathematical aptitude

Independent work

Education

Bachelor's degree in Mathematics/Actuarial Science/Finance/Business/CS

Tools

Financial modeling software

Job description

HM Insurance Group in the United States seeks an underwriting professional to price quotes and analyze contract structures for group plans. You will evaluate risk, apply underwriting policies, and provide analyses to drive profitability and growth while guiding lower-level staff and collaborating with stakeholders.

Requires 5–7 years of underwriting experience with self-funded or converting plans. Bachelor’s degree in a quantitative field is mandatory, with strong math and analytical skills.