Underwriter

Unum; Chattanooga (TN); On-site; USD 46,000 - 86,000; Full time

Benefits offered by this job

Award-winning culture

Inclusive workplace

Performance Based Incentive Plans

Health, Vision, Dental

PTO including volunteer time

401(k) employer contribution up to 5%

Mental health support

Career advancement opportunities

Student loan repayment options

Tuition reimbursement

Flexible work environments

Job summary

Unum is seeking an Underwriter to evaluate risk, select profitable cases, and collaborate with sales teams and brokers to meet business goals. The role emphasizes solid risk assessment, product knowledge, and strong communication within a team environment.

The position is based in Chattanooga, TN, with a base salary range and comprehensive benefits. You will partner with internal and external stakeholders to drive profitable growth for the company.

Qualifications

• Bachelor's degree or equivalent, relevant business experience.
• Proficiency in risk assessment and product provisions.
• Understanding of sales/distribution processes and market trends.

Responsibilities

• Consult with sales and service partners to provide products and plan options that best meet customer needs.
• Evaluate and select risk to ensure profitable acquisition of new cases and retention of in-force cases.
• Conduct high quality risk assessments to meet guidelines, target profit and metrics; identify risk trends and address them.
• Demonstrate understanding of product provisions, plan designs, pricing and contractual benefits.
• Deliver dependable, accurate, and timely service while building relationships with partners.
• May assist with training, technical development and mentoring associate underwriters.

Skills

Risk assessment

Underwriting knowledge

Sales collaboration

Analytical reasoning

Communication skills

Team collaboration

Negotiation

Education

Bachelor's degree or equivalent in relevant business field

Tools

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Job description

When you join the team at Unum, you become part of an organization committed to helping you thrive.

Benefits

Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life’s moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide:

• Award-winning culture
• Inclusion and diversity as a priority
• Performance Based Incentive Plans
• Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability
• Generous PTO (including paid time to volunteer!)
• Up to 9.5% 401(k) employer contribution
• Mental health support
• Career advancement opportunities
• Student loan repayment options
• Tuition reimbursement
• Flexible work environments
• All the benefits listed above are subject to the terms of their individual Plans.

And that’s just the beginning…

With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you’re directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today!

General Summary

The Underwriter will demonstrate solid risk evaluation, selection and retention of profitable business within assigned authority limits. This also requires a solid ability to partner with Company sales teams, brokers and all internal partners.

Principal Duties And Responsibilities

• Consult with sales and service partners to provide the products and plan options that best meet the needs of our customers.
• Evaluate and select risk to ensure the profitable acquisition of new cases and the continued profitable retention of in force cases.
• Conduct high quality risk assessments on all cases to assure business guidelines, target profit and metrics are met. Identify and analyze risk trends, making recommendations for addressing these
• Exhibit an understanding of the Company’s products, the sales, implementation, and enrollment processes, and market place influences
• Deliver dependable, accurate, and timely service while building relationships with internal and external partners
• May assist with training, technical development and mentoring associate underwriters

Job Specifications

• Bachelors degree or equivalent, relevant business experience
• Demonstrated, consistent proficiency at Associate Underwriter level
• Developed knowledge of product provisions, plan designs, pricing and contractual benefits
• Solid technical expertise in risk selection
• Demonstrated understanding of top-line and bottom-line objectives
• Exhibit solid working knowledge of sales/distribution process and market trends
• Solid creative problem solving skills
• Strong critical thinking/analytical reasoning skills
• Strong communication skills, both verbal and written
• Strong organizational skills and ability to handle multiple priorities
• Demonstrated ability to be persuasive and to negotiate
• Demonstrated ability to work both independently and in a team environment
• Exhibit a commitment to quality and personal ownership of results

~IN1

Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide.

Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.

The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience.

$45,600.00-$86,200.00

Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans.

Company

Unum