Underwriter, Supplemental Accounts

The next part of your journey is right around the corner with The Standard. A genuine desire to make a difference in the lives of others is the foundation for everything we do. With a customer-first mindset and an intentional focus on building strong teams, weve been able to uphold our legacy of financial stability while investing in new, innovative technologies that support the needs of our customers. Our high-performance culture focused on operational excellence thrives thanks to remarkable people united by compassion and a customer-first commitment. Are you ready to make a difference? Job Summary The Underwriter, Supplemental Accts is responsible for underwriting small to medium-size cases for both new and renewal business, including developing proposals, managing add-on business, and revising contracts within set authority levels. This role utilizes underwriting methods and techniques for financial analysis and manual rate development. The Underwriter works with increased communication between sales, brokers, and internal departments, reviewing contracts, plan designs, and benefit options in greater detail. The Underwriter I handles more straightforward cases, while the Underwriter II will manage more complex cases requiring deeper expertise and judgment. Prepare proposals and coordinate final presentations, including required exhibits. Respond to underwriting team requests accurately and in a timely manner, maintaining positive communication with internal and external stakeholders. Build credibility with the sales force, brokers, and customers. Use ABs workflow management tools to document decision-making processes. Analyze data related to small to medium case risks to determine benefits and rating. Review and manipulate census data for use in rating tools to generate manual rates. Communicate with policy owners, applicants, brokers, and agencies regarding underwriting decisions and procedures. Review master policy change requests for eligibility. Conduct research to gather additional data needed for benefit and premium decisions. Make independent case-level decisions, adhering to underwriting guidelines. Ability to make independent underwriting decisions while following company guidelines is a requirement of the role. * Skills and Background Youll Need 2+ years of relevant underwriting experience or related field. High school diploma or equivalent required; Bachelor's degree preferred. Strong analytical skills and ability to evaluate data for financial and risk analysis. Experience in developing proposals and working with underwriting tools and systems. Ability to work independently with minimal supervision. Key Behaviors of a Successful Candidate Strong decision-making abilities and judgment. Ability to collaborate effectively across teams and with external partners. Detail-oriented with a focus on accuracy. Adaptability to changing business needs and underwriting guidelines. Strong communication and relationship-building skills. Why Join The Standard? We have built an enduring legacy of stability, financial strength and exceptional customer service through the contributions of the service-oriented people who choose to work at The Standard. To ensure we can attract and retain the best talent, when you join The Standard you can expect: A rich benefits package including medical, dental, vision and a 401(k) plan with matching company contributions An annual incentive bonus plan Generous paid time off including 11 holidays, 2 wellness days, and 8 volunteer hours annually PTO increases with tenure A supportive, responsive management approach and opportunities for career growth and advancement Paid parental leave and adoption/surrogacy assistance An employee giving program that double matches your donations to eligible nonprofits and schools In addition to the competitive salary range below, our employee-focused benefits support work-life balance. Learn more about working at The Standard. Eligibility to participate in an incentive program is subject to the rules governing the program and plan. Any award depends on a variety of factors including individual and organizational performance. Salary Range: $64,250.00 - $94,000.00 Positions will be posted for at least 5 days from original posting date. Standard Insurance Company, The Standard Life Insurance Company of New York, Standard Retirement Services, Inc., StanCorp Mortgage Investors, LLC, StanCorp Investment Advisers, Inc., and American Heritage Life Insurance Company and American Heritage Service Company, marketed as The Standard, are Affirmative Action/Equal Opportunity employers. All qualified applicants will receive consideration for employment without regard to race, religion, color, sex, national origin, gender identity, sexual orientation, age, disability or veteran status or any other condition protected by federal, state or local law. Except where precluded by state or federal law, The Standard will consider for employment qualified applicants with arrest and conviction records pursuant to the San Francisco Fair Chance Ordinance. The Standard offers a drug- and alcohol-free work environment where possession, manufacture, transfer, offer, use of or being impaired by an illegal substance while on The Standard's property, or in other cases which the company believes might affect operations, safety or reputation of the company is prohibited. The Standard requires a criminal background investigation and employment, education and licensing verification as a condition of employment. All employees of The Standard must be bondable. The Standard is a family of companies dedicated to helping its customers achieve financial well-being and peace of mind. In business since 1906, were a leading provider of group and individual disability insurance, group life, dental and vision insurance, voluntary (employee-paid) benefits, absence management services, and retirement plans and annuities for employers and individuals. For more information about The Standard, visit www.standard.com or follow us on LinkedIn and Instagram.