Sr. Underwriting Consultant – Stop Loss – Remote

Symetra Financial Corporation; Northern (KY); Hybrid; USD 106,000 - 177,000; Full time

Benefits offered by this job

Flexible work arrangements

401(k) plan with company match

Paid time off and holidays

Company matching philanthropy

Job summary

Symetra is seeking a Sr. Underwriting Consultant - Stop Loss to evaluate and price new and existing business, balancing profitability, growth, and market competitiveness.

You will analyze financial and medical risk, manage a complex block of business, and collaborate with Sales, Brokers, and internal partners to drive strong outcomes. Responsibilities include underwriting stop loss, reviewing experience, negotiating pricing, and mentoring team members while traveling as needed to support client

Qualifications

• 10+ years of Stop Loss risk-based underwriting experience.
• Strong knowledge of Stop Loss products, risk assessment, pricing methodologies and underwriting principles.
• Proven analytical, problem-solving and decision-making skills.
• Strong communication, relationship-building and negotiation skills.
• Ability to travel periodically to meet business needs.

Responsibilities

• Underwrite new and renewal Stop Loss business by assessing financial, medical, and claims risk and determine pricing.
• Analyze employer group experience, claim history, and member-level medical information to evaluate risk and develop recommendations.
• Manage complex and high-visibility cases, including guideline exceptions and unique risk situations.
• Partner with Sales, Brokers, TPAs, and internal stakeholders to negotiate pricing and support market positioning.
• Manage an assigned block of business with goals for profitability, growth, retention, service and sales effectiveness.
• Provide guidance, training, and support to underwriting team members.

Skills

Stop Loss underwriting

Pricing methodologies

Risk assessment

Negotiation

Communication

Travel

Education

Bachelor's degree

Tools

Microsoft Office

Job description

Symetra has an exciting opportunity to join our team as a Sr. Underwriting Consultant - Stop Loss!

About the role

In this role you will evaluate and price new and existing business while balancing profitability, growth, and market competitiveness. You will analyze financial and medical risk, manage a complex block of business, provide underwriting expertise, and collaborate closely with Sales, Brokers, and internal partners to deliver strong business outcomes.

What you will do

• Underwrite new and renewal Stop Loss business by assessing financial, medical, and claims risk and determining appropriate pricing.
• Analyze employer group experience, claim history, and member-level medical information to evaluate risk and develop underwriting recommendations.
• Manage complex and high-visibility cases, including guideline exceptions and unique risk situations.
• Partner with Sales, Brokers, TPAs, and internal stakeholders to negotiate pricing and support competitive market positioning.
• Manage an assigned block of business while meeting goals related to profitability, growth, retention, service, and sales effectiveness.
• Serve as a trusted subject matter expert and mentor, providing guidance, training, and support to underwriting team members.
• Lead or contribute to underwriting initiatives, cross-functional projects, process improvements, and training efforts.
• Provide market intelligence and recommendations to support product, pricing, and underwriting strategy.
• Support RFP responses and other business development activities.
• Build and maintain strong relationships with clients, brokers, sales partners, and internal teams.
• Represent Symetra at industry and business events as needed.
• Travel occasionally to support business and relationship-building activities.

Why Work at Symetra

"Join. It's that simple. You won't find a better company that can draw out your potential in ways you didn't know you had." - Andrew H., Associate Underwriter

"Symetra is truly a great place to work. The positive work climate, strong sense of team, and the resources available make it feel like one cohesive family. What stands out most to me is the company's deep commitment to diversity, equity, and inclusion--it's not just a statement, it's an active and ongoing priority that's felt throughout the organization." -Charlotte G., Sr. Underwriter - Consultant Stop Loss

What we offer you

Benefits and Perks

We don't take a "one-size-fits-all" approach when it comes to our employees. Our programs are designed to make your life better both at work and at home.

• Flexible full-time or hybrid telecommuting arrangements
• Plan for your future with our 401(k) plan and take advantage of immediate vesting and company matching up to 6%
• Paid time away including vacation and sick time, flex days and ten paid holidays
• Give back to your community and double your impact through our company matching

Want more details? Check out our Symetra Benefits Overview

Compensation

Salary Range: $106,400 - $177,300 plus eligibility for annual bonus program

Who You Are

• High school diploma required. College degree highly preferred.
• 10+ years of Stop Loss Risk Based Underwriting required.
• Strong knowledge of Stop Loss products, risk assessment, pricing methodologies, and underwriting principles.
• Proven analytical, problem-solving, and decision-making skills.
• Strong communication, relationship-building, and negotiation skills.
• Ability to manage multiple priorities and work effectively in a collaborative environment.
• Proficiency with Microsoft Office applications required.
• Captive underwriting experience highly preferred.
• David Young/ESL experience a plus.
• Experience with reference-based pricing a plus.
• Presentation and facilitation experience preferred.
• Ability to travel periodically to meet the needs of the business.

We empower inclusion

At Symetra, we aspire to be the most inclusive insurance company in the country. We're building a place where every employee feels valued, respected, and has opportunities to contribute.

Inclusion is about recognizing our assumptions, considering multiple perspective, and removing barriers. We accept and celebrate diverse experiences, identities, and perspectives, because lifting each other up fuels thought and builds a stronger, more innovative company. We invite you to learn more about our efforts here.

Creating a world where more people have access to financial freedom

Symetra is a national financial services company dedicated to helping people achieve their financial goals and feel confident about the future. In our daily work, we're guided by the principles of Value, Transparency and Sustainability. This means we provide products and services people need at a competitive price, we communicate clearly and openly so people understand what they're buying, and we design products--and operate our company--to stand the test of time. We're committed to showing up for our communities, lifting up our employees, and standing up for diversity, equity and inclusion (DEI). Join our team and help us create a world where more people have access to financial freedom.

For more information about our careers visit: https://symetra.eightfold.ai/careers

Work Authorization

Employer work visa sponsorship and support are not provided for this role. Applicants must be currently authorized to work in the United States at hire and must maintain authorization to work in the United States throughout their employment with our company.

Please review Symetra's Remote Network Minimum Requirements:

• Minimum Internet Speed:100 Mbps download and 20 Mbps upload, in alignment with the FCC's definition of "broadband."
• Internet Type:Fiber, Cable (e.g., Comcast, Spectrum), or DSL.
• Not Permissible:Satellite (e.g., Starlink), cellular broadband (hotspot or otherwise), any other wireless technology, or wired dial-up.

When applying to jobs at Symetra you'll be asked to test your internet speed and confirm that your internet connection meets or exceeds Symetra's standard as outlined above.

Identity Verification

Symetra is committed to fair and secure hiring practices. For all roles, candidates will be required (after the initial phone screen) to be on video for all interviews. Symetra will take affirmative steps at key points in the process to verify that a candidate is not seeking employment fraudulently, e.g. through use of a false identity.

Failure to comply with verification procedures may result in:

• Disqualification from the recruitment process
• Withdrawal of a job offer
• Termination of employment and other criminal and/or civil remedies, if fraud is discovered