Senior Individual Underwriter

Position Description:

This position is responsible for underwriting large and complex insurance cases by using extensive subject matter knowledge about company products and underwriting principles. Work independently and influences others to achieve significant operational targets with responsibility for small projects. This position is responsible for the effective selection and classification of individual insurance risks within established guidelines.

Success in this role will require a clear communicator with an ability to articulate the reasons for underwriting decisions to our field partners. This role will require independent work and decision making based on a myriad of relevant variables. Acquire and utilize knowledge of the Company's underwriting policies, procedures, and philosophies, as well as a broad knowledge of the relevant individual products, policy provisions, and underwriting manuals.

Position Location:

• This position is remote or hybrid (Lincoln, NE or Cincinnati, OH) based on proximity to office location and candidate preference.

What you do:

• Analyze and evaluate risk for disability insurance cases considering characteristics such as plan design, demographics, experience, financial or medical factors, and state and federal regulations.
• Select and maintain cases to achieve revenue, persistency, and profitability goals for top and bottom-line growth. Communicate financial and other factors to field partners.
• Design and coordinate issuance of plans, policies, and premium rates within established departmental guidelines. Take lead on identifying problems and providing solutions and alternatives.
• Demonstrate an extensive understanding of various insurance products, their features and limitations, and industry/regulatory terms.
• Provide training and guidance to new or entry level associates and may review or audit the work of others.
• Lead small projects that have significant impact on department results.
• Utilize resources such as underwriting manuals, etc. to assist in evaluating medical and nonmedical risk factors.
• Adhere to company policies and procedures in case assessment.
• Understand reinsurance treaties; appropriately determine retention limits, auto binding capacity and facultative submission options.
• Review assigned industry publications and make periodic presentations at underwriting staff meetings.

What you bring:

• Bachelor's degree or equivalent combination of education and experience required.
• Minimum 3-5 years of related disability underwriting experience required.
• FLMI, FALU, or CLU designations; or active pursuit towards completion of the same desired.
• A working knowledge of medical terminology or reading financial statements or tax documents is desired.

What we offer:

A meaningful mission. Great benefits. A vibrant culture

Ameritas is an insurance, financial services and employee benefits provider Our purpose is fulfilling life. It means helping all kinds of people, at every age and stage, get more out of life.

At Ameritas, you'll find energizing work challenges. Flexible hybrid work options. Time for family and community. But dig deeper.Benefits at Ameritas cover things you expect -- and things you don't:

Ameritas Benefits

Foryour money:

• 401(k) Retirement Plan with company match and quarterly contribution.
• Tuition Reimbursement and Assistance.
• Incentive Program Bonuses.
• Competitive Pay.

For your time:

• Flexible Hybrid work.
• Thrive Days - Personal time off.
• Paid time off (PTO).

For your health and well-being:

• Health Benefits: Medical, Dental, Vision.
• Health Savings Account (HSA) with employer contribution.
• Well-being programs with financial rewards.
• Employee assistance program (EAP).

For your professional growth:

• Professional development programs.
• Leadership development programs.
• Employee resource groups.
• StrengthsFinder Program.

For your community:

• Matching donations program.
• Paid volunteer time- 8 hours per month.

For your family:

• Generous paid maternity leave and paternity leave.
• Fertility, surrogacy, and adoption assistance.
• Backup child, elder and pet care support.

An Equal Opportunity Employer

Ameritas has a reputation as a company that cares, and because everyone should feel safe bringing their authentic, whole self to work, we're committed to an inclusive culture and diverse workplace, enriched by our individual differences. We are an Equal Opportunity/Affirmative Action Employer that hires based on qualifications, positive attitude, and exemplary work ethic, regardless of sex, race, color, national origin, religion, age, disability, veteran status, genetic information, marital status, sexual orientation, gender identity or any other characteristic protected by law.