Underwriter C, Medical

Kemper Corporation; Chesterfield (MO); Remote; USD 80,000 - 100,000; Full time

Job summary

Kemper Corporation is seeking a dedicated Life Insurance Underwriter to evaluate applications and determine eligibility for various coverage lines, including life and health. The applicant will be responsible for maintaining excellent relationships with field agents and is expected to focus on accuracy, effective communication, and adherence to underwriting guidelines. This role offers a flexible remote work option while contributing to a dynamic team committed to customer service.

Benefits

Medical, Dental, Vision insurance

Paid Time Off (PTO)

401(k) matching

Qualifications

• Minimum 3 years of underwriting experience.
• Self-directed with limited supervision.
• Strong track record of time management.

Responsibilities

• Evaluate risk from applications and vendor information.
• Utilize underwriting guidelines for various products.
• Make sound underwriting decisions based on available information.

Skills

Analytical skills

Problem-solving skills

Communication skills

Time management

Detail-oriented

Education

College degree or equivalent

Tools

Microsoft Office (Word, Excel, Outlook)

Job description

Kemper is one of the nation’s leading specialized insurers. Our success is a direct reflection of the talented and diverse people who make a positive difference in the lives of our customers every day. We believe a high-performing culture, valuable opportunities for personal development and professional challenge, and a healthy work-life balance can be highly motivating and productive. Kemper’s products and services are making a real difference to our customers, who have unique and evolving needs. By joining our team, you are helping to provide an experience to our stakeholders that delivers on our promises.

TEAM SUMMARY:

Kemper proudly serves growing niche and underserved markets by providing appropriate and affordable insurance and financial solutions. This is enabled by a team of dynamic, innovative employees who act like owners and are continually driven by intellectual curiosity, analytical superiority, and being world-class operators.

Kemper Life has a talented operations team that believes in this strategic intent. This role is a great opportunity for the right person who wants to be part of a team in a dynamic growing company. We are looking for the person who can help us make a difference by best serving the needs of our customers. Come join us in Growing for LIFE.

POSITION SUMMARY:

Our Life Insurance Underwriter evaluates and assesses applications submitted by field agents to determine risk and eligibility for all lines of business sold by our agents, including individual life, health and fire applications. Using the resources provided, information obtained from the application and third-party vendor information to request requirements and provide sound decision recommendations for issuing or denying coverage in line with Company guidelines.

The right candidate will maintain good relationships with our field agency, home office departments, vendors and leadership, including effectively communicating via written and verbal communication.

LOCATION: Remote role working near St. Louis, MO metro area , otherwise working from a US based home. Minimal travel required as business needs dictate.

POSITION RESPONSIBILITIES:

• Effectively and efficiently evaluate risk obtained from application and vendor information including medical records, prescription history data, consumer data, medical claims data, criminal background checks, electronic inspection reports, motor vehicle reports, paramedical exams, laboratories results
• Utilize underwriting guidelines for various products and provide proper recommendations
• Make sound underwriting decisions based on available information
• Keep detailed and accurate case file notes
• Other duties as assigned

POSITION QUALIFICATIONS:

• College degree or equivalent with minimum 3 years of underwriting experience
• Experience in collecting requirement data, reviewing data, researching, problem solving and decision-making skills with minimal guidance
• Previous role being self-directed and ability to complete duties with limited supervision
• Experience with multi-tasking and ability to meet changing deadlines
• Proven track record of excellent time management skills
• Demonstrated ability to be detail oriented with high degree of accuracy
• Exhibit ability of being highly organized and flexibility to changing guidelines
• Demonstrated strong oral and written communication skills
• Intermediate level of proficiency with Microsoft Office (Word, Excel, Outlook)

CANDIDATE PROFILE:

• Highly motivated and natural self-starter, independent thinker, great time manager, and team player
• Ability to establish and maintain good relationships with various cross-functional departments and teams.
• Structured thinking process and strong problem-solving skills, the ability to break down complex problems and find solutions
• Ability to cope with uncertainty, learn fast, motivated by new and complex challenges
• Manage information in a visually appealing and easy to understand method
• Drive results across a team of dynamic communicators and professionals
• Ability to quickly absorb complex issues, ensure alignment across cross-functional teams
• Possesses a continuous improvement mindset

COMPETENCIES NEEDED:

• Decision Quality – making good and timely decisions that keep the organization moving forward
• Drives Results – consistently achieves results under difficult circumstances
• Action Oriented – takes on new opportunities and tough challenges with a sense of urgency, high energy, and enthusiasm
• Collaborates – building partnerships and working collaboratively with others to meet shared objectives
• Communicates Effectively – develops and delivers multi-mode communications that convey a clear understanding of the unique needs of different audiences
• Values Differences – recognizes the value that different perspectives and cultures bring to the organization
• Nimble Learning – actively learning through experimentation when tackling new problems, using both successes and failures as learning fodders
• Sponsorship is not excepted for this opportunity
• This is a remote role working near St. Louis, MO metro area , otherwise working from a US based home. Minimal travel required as business needs dictate.

The range for this position is $19.76 to $32.98 per hour When determining candidate offers, we consider experience, skills, education, certifications, and geographic location among other factors. This job is also eligible for our Kemper benefits package (Medical, Dental, Vision, PTO, 401k, etc.

Kemper is proud to be an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran, disability status or any other status protected by the laws or regulations in the locations where we operate. We are committed to supporting diversity and equality across our organization and we work diligently to maintain a workplace free from discrimination. Kemper is focused on expanding our Diversity, Equity and Inclusion efforts to align with our vision, mission, and guiding principles. Kemper does not accept unsolicited resumes through or from search firms or staffing agencies. All unsolicited resumes will be considered the property of Kemper and Kemper will not be obligated to pay a placement fee.

Kemper will never request personal information, such as your social security number or banking information, via text or email. Additionally, Kemper does not use external messaging applications like WireApp or Skype to communicate with candidates. If you receive such a message, delete it.

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About Us

Kemper at a Glance

The Kemper family of companies is one of the nation’s leading specialized insurers. With approximately $13 billion in assets, Kemper is improving the world of insurance by providing affordable and easy-to-use personalized solutions to individuals, families and businesses through its Kemper Auto and Kemper Life brands. Kemper serves over 4.8 million policies, is represented by approximately 22,200 agents and brokers, and has approximately 7,500 associates dedicated to meeting the ever-changing needs of its customers. Learn more at Kemper.com .

*Alliance United Insurance Company is not rated.
We value diversity and strive to be an employer of choice. An Equal Opportunity Employer, M/F/D/V

Our employees enjoy great benefits:

• Qualify for your choice of health and dental plans within your first month.
• Save for your future with robust 401(k) match, Health Spending Accounts and various retirement plans.
• Learn and Grow with our Tuition Assistance Program, paid certifications and continuing education programs.
• Contribute to your community through United Way and volunteer programs.
• Balance your life with generous paid time off and business casual dress.
• Get employee discounts for shopping, dining and travel through Kemper Perks.