Sr. Underwriting Consultant – Stop Loss – Remote

Symetra; United States; Hybrid; USD 106,000 - 177,000; Full time

Job summary

Symetra is seeking a Sr. Underwriting Consultant – Stop Loss to evaluate and price new and renewal Stop Loss business, analyzing financial, medical, and claims risk while balancing profitability and growth.

You will lead complex cases, mentor underwriting teams, and partner with Sales and Brokers to support competitive market positioning. Travel periodically to meet clients and contribute to initiatives.

Qualifications

• 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 travel periodically to meet the needs of the business.
• Proficiency with Microsoft Office applications required.
• Captive underwriting experience highly preferred.
• Experience with reference-based pricing a plus.
• Presentation and facilitation experience preferred.

Responsibilities

• 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 profitability, growth, retention, service, and sales goals.
• Lead or contribute to underwriting initiatives, cross-functional projects, 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, and internal teams.
• Represent Symetra at industry and business events; travel as needed.

Skills

Stop Loss underwriting

Analytical skills

Communication

Negotiation

Microsoft Office

Education

College degree preferred

Job description

Symetra has an exciting opportunity to join our team as a Sr. Underwriting Consultant – Stop Loss !About the roleIn 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 doUnderwrite 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 SymetraHere’s what some of our employees have to say about why they 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 LossWhat we offer youBenefits and PerksWe 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 arrangementsPlan 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 holidaysGive back to your community and double your impact through our company matchingWant more details? Check out our Symetra Benefits OverviewCompensationSalary Range: $106,400 - $177,300 plus eligibility for annual bonus programWho You AreHigh 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 inclusionAt 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 freedomSymetra 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/careersWork AuthorizationEmployer 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:As a remote-first organization committed to providing a positive experience for both employees and customers, Symetra has the following standards for employees' internet connection: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 VerificationSymetra 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 processWithdrawal of a job offerTermination of employment and other criminal and/or civil remedies, if fraud is discovered