Underwriter

Delta Dental of Tennessee; Nashville (TN); Hybrid; USD 90,000 - 130,000; Full time

Job summary

Delta Dental of Tennessee is seeking an experienced Underwriter for a full-time, hybrid role in Nashville, TN. The candidate will evaluate group dental insurance applications, assess risk, and determine plan designs, rates, and terms per underwriting guidelines.

Responsibilities include reviewing census data, claims experience, and preparing quotes and renewals. The role requires strong analytical abilities, attention to detail, and effective communication with sales, account management, and

Qualifications

• Experience reviewing group insurance applications and setting appropriate rates and designs.
• Ability to analyze claims data, census data, and financial/actuarial information.
• Capable of preparing quotes and renewals and maintaining underwriting documentation.

Responsibilities

• Evaluate group dental insurance applications and determine appropriate plan designs, rates, and terms.
• Review census data and claims experience to support pricing and trend analysis.
• Prepare quotes and renewals in line with underwriting guidelines.
• Collaborate with sales, account management, and actuarial teams to support business objectives.
• Document and report underwriting decisions clearly; maintain files and systems.
• Contribute to the continuous improvement of underwriting methodologies and procedures.

Skills

Risk assessment & underwriting

Analytical & quantitative ability

Attention to detail & records

Communication skills

Customer-focused mindset

Office software proficiency

Knowledge of dental/health insurance

Hybrid work adaptability

Education

Bachelor’s degree (Business/Finance/Math/Insurance)

Job description

Company Description

Delta Dental of Tennessee is the state’s largest and most experienced dental benefits carrier, dedicated solely to dental care. The organization designs customized, cost-effective dental benefit solutions that balance employer budget needs with comprehensive member coverage. With a focus on overall health, plans include pre-existing conditions and advanced procedures such as brush biopsies and evidence-based dentistry. Delta Dental is trusted by more dentists in Tennessee and across the country than any other dental benefits administrator, offering employees and members a strong network and high-quality service.

Role Description

The Underwriter is a full-time, hybrid role based in Nashville, TN, with the option to work from home part of the time. This role is responsible for evaluating group dental insurance applications, assessing risk, and determining appropriate plan designs, rates, and terms in line with company underwriting guidelines. Day-to-day duties include reviewing census data and claims experience, analyzing financial and actuarial information, preparing quotes and renewals, and collaborating with sales, account management, and actuarial teams to support business objectives. The Underwriter will prepare clear documentation and reports, maintain underwriting files and systems, and support the development and refinement of underwriting methodologies and procedures. This role also involves responding to internal and external inquiries, providing guidance on benefit structures, and contributing to continuous improvement of underwriting processes.

Qualifications

• Risk assessment and underwriting skills, including experience reviewing group insurance applications, analyzing claims data, and determining appropriate rates and plan designs.
• Strong analytical and quantitative abilities, with proficiency in working with spreadsheets, financial models, and large data sets to support pricing and trend analysis.
• Attention to detail and organizational skills, with the ability to manage multiple quotes and renewals simultaneously and maintain accurate records and documentation.
• Clear written and verbal communication skills, including the ability to explain underwriting decisions, prepare professional reports, and collaborate effectively with cross-functional teams.
• Customer-focused mindset and relationship-building skills to work effectively with sales representatives, account managers, brokers, and internal stakeholders.
• Proficiency with standard office software (such as Microsoft Excel, Word, and PowerPoint) and comfort learning specialized underwriting and CRM systems.
• Bachelor’s degree in Business, Finance, Mathematics, Insurance, or a related field; relevant experience in dental or health insurance underwriting is preferred.
• Knowledge of dental or health insurance products, benefit design, and industry regulations; familiarity with Tennessee market conditions is a plus.
• Ability to work in a hybrid environment in Nashville, TN, demonstrating reliability, time management, and self-direction.