Group H&A Underwriting

The Group H&A Underwriting professional will drive the end‑to‑end underwriting process for the Health UW department, ensuring accurate risk assessment, competitive pricing, and timely policy issuance. This role collaborates with sales, actuarial, and operations teams to deliver profitable and compliant health insurance solutions.

• Evaluate incoming health insurance proposals and determine underwriting eligibility.
• Conduct comprehensive risk analysis and technical assessments for each submission.
• Develop and maintain pricing models aligned with market trends and company profitability goals.
• Prepare underwriting recommendations and secure necessary approvals from senior management.
• Oversee policy booking, issuance, and related documentation to ensure accuracy and compliance.
• Collaborate with actuarial and product teams to refine underwriting guidelines.
• Monitor portfolio performance and recommend adjustments to mitigate emerging risks.
• Provide underwriting expertise and support to sales and broker partners.
• Maintain up‑to‑date knowledge of regulatory changes affecting health insurance underwriting.
• Participate in continuous improvement initiatives to enhance underwriting efficiency.

• Bachelor’s degree in Finance, Business, Actuarial Science, or related field.
• 5+ years of experience in health insurance underwriting or risk analysis.
• Strong analytical skills with proficiency in statistical and pricing tools.
• Excellent understanding of health insurance products, regulations, and market dynamics.
• Proven ability to evaluate complex proposals and make sound underwriting decisions.
• Effective communication and negotiation skills with internal and external stakeholders.
• Detail‑oriented with strong organizational and documentation capabilities.
• Experience using underwriting software and data analytics platforms.
• Professional certifications (e.g., CPCU, ARM) preferred.
• Ability to work independently and as part of a cross‑functional team.