Job Posting End Date: October 04

When you join the team at Unum, you become part of an organization committed to helping you thrive.

Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life's moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide:

• Award-winning culture
• Inclusion and diversity as a priority
• Performance Based Incentive Plans
• Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability
• Generous PTO (including paid time to volunteer!)
• Up to 9.5% 401(k) employer contribution
• Mental health support
• Career advancement opportunities
• Student loan repayment options
• Tuition reimbursement
• Flexible work environments

• Consult with sales and service partners to provide the products and plan options that best meet the needs of our customers. Evaluate and select risk on the most complex and largest cases to ensure the profitable acquisition of new cases and the continued profitable retention of inforce cases
• Conduct high quality risk assessments on all cases to assure business guidelines, target profit and metrics are met. Identify and analyze risk trends, making recommendations for addressing these
• Contribute to the development of policies and procedures, product development efforts, and lead departmental effectiveness initiatives
• Demonstrate a mastery of the Company's products, the sales process, and market place influences
• Demonstrate an understanding of how decisions on our largest, most complex cases can impact the Company's financial statements
• Deliver dependable, accurate, and timely service while demonstrating deeper expertise in relationships with internal and external partners
• Act as a mentor and coach, providing input to management regarding mentee performance
• Lead analysis and actions regarding improved work unit performance and workflow efficiencies
• Initiate and negotiate with internal partners on complex pricing situations that may need deviation from normal pricing assumption
• Identify areas of improvement/opportunity to improve current underwriting processes/efficiency, customer service and control expenses
• Provide development feedback at the case level on decisions made by members of the Underwriting department
• Support product development initiatives in collaboration with Product Marketing and Actuarial
• Act as the liaison for Underwriting and New Business with Legal and Compliance, on group product compliance matters. Implementation and monitoring of all compliance items
• Partner with management on all State DOI inquiries and external audits related to group products
• Ability to analyze, develop and implement underwriting guidelines for product lines
• Develop, track and analyze individual and work unit performance against established goals and measurements
• Act as a mentor and technical coach to underwriting professionals on risk issues

• 4 year college degree preferred or equivalent work experience, with 6+ years in underwriting risk experience preferred.
• Consistently meet quality and quantity standards as outlined by department expectations

• Effectively position Colonial Life's portfolio
• High level of understanding of competitor's product benefits and effectively position against competition;
• Proactively seeks competitor product information and can effectively impact top line growth;
• Participate and represent unit in new product development projects

• Full comprehension of underwriting decisions on other Colonial Life departments;
• Full understanding of sales and financial results impacts of all enrollment methods;
• Collaborate with field and internal partners to drive future enrollment strategy

• Effective written and verbal communication;
• Negotiates well with and influences conversations with field representatives, managers, broker and internal partners
• Network of internal and external advocates;
• Fosters inclusive dialogue

• Holistic and comprehensive analysis of how underwriting decisions impacts Colonial Life bottom line and internal and external partners;
• Expert at using underwriting tools and subjective analysis;
• Consistently makes sound decisions and makes thoughtful recommendations in situations beyond their limit;
• Contribute to the development of policies and procedures;
• Proactively partner with necessary individuals to help achieve sales goals
• Partners with finance to develop case specific assumptions

• Understands various levers to provide counsel, guidance and options for the most complex cases;
• Considers impact beyond single account decisions;
• Identifies and implement opportunities for innovation

• Operates independently taking total responsibility;
• Respected by the unit/dept as a professional who understands the goals of the department and who balances the needs of customer with those goals;
• Guidance and opinion regularly sought by external partners

• Informally and formally teaches underwriters and all in the sales organization (W2 and 1099);
• Highlighting department trends to the team, management etc.;
• Builds followership in and beyond the underwriting department;
• Seeks out mentorship and self-development