Hm Life Insurance Company
Job Description :
This job participates on a multi-disciplinary team focused on highly visible, complex broker and/or TPA relationships that are organized into blocks. Some direct client interaction, but primary client contact is the sales leadership. Manages a block of stop loss business and case level underwriting within the block to achieve overall goals. Operates in a matrix structure working with the Sales, Underwriting and Clinical teams and oversees all aspects of new business and renewal pricing and risk analysis associated with select clients. Responsible for the P/L, renewal metrics and new business sales for the block. Expected to provide creative solutions on a case level and assists in the development and execution of creative solutions at the block level. Provides leadership and training to other underwriters supporting programs. This role is open to consideration of candidates regardless of location.
Essential Job Functions:
- Responsible for underwriting new and renewal business within an assigned block. Use rating manual, experience module and clinical expertise to create pricing that drives P/L, renewal metrics and new business sales for assigned block.
- Collaborate with Sales, Underwriting and Clinical to develop and implement pricing actions that will help HMIG meet financial targets.
- Train, coach and provide experiences to lower level staff with the purpose of expanding consultative best practices throughout the department.
- Utilize client and market knowledge to expand/enhanced Underwriting Guidelines, processes and tools by incorporating best practices.
- Monitor overall block performance and report on emerging financial trends. Develop strategies and tactics to move case level and block results to meet targets.
- Act as subject matter expert to support Sales’ negotiations to renew existing clients and enroll new business.
- Other duties as assigned or requested.
- Bachelor’s Degree in Mathematics, Actuarial Science, Finance, Business Administration/Management or Computer and Information Science (Substitutions – 6 years of experience in lieu of degree)
- 10 – 15 years in Underwriting
- 10 – 15 years in the Insurance Industry
- Previous Medical Stop Loss Underwriting experience
- Certified Employee Benefit Specialist (CEBS)
- Health Insurance Associate (HIA)
- Managed Healthcare Professional (MHP)
- Society of Actuaries
Knowledge, Skills, and Abilities:
- Creative Thinking
- Risk Management
- Relationship-builder with Unsurpassed Interpersonal Skills
- Conflict Management
- Solution Recommendations
- Analytical Skills
Referral Bonus: Level 3
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