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.
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. 6 years of experience in lieu of degree.
- 10 – 15 years in Underwriting
- 10 – 15 years in the Insurance Industry
- Previous Stop Loss or Health Reinsurance experience
- Previous experience as a Marketing Underwriter is a plus
- Strong Excel skills
- 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 2
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