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The **Associate Disability Underwriter** is responsible for exercising their discretion & using professional judgment in decision making of individual disability cases. They will use their training and experience to determine the insurability as well as premium classification primarily relating to in-force applications. The Associate Underwriter is also accountable for managing assigned work, developing agency relationships, and ensuring customer satisfaction at the highest level. The Disability Insurance Associate Underwriter will work with adjacent Underwriters as well as other departments, including Individual Disability Service & Administration, for the benefit of the facilitation of the entire underwriting and administrative process. The position requires the individual to operate in a cross-functional team environment.

You are

+ A self-motivated individual driven by collaboration and dedicated to delivering exceptional customer service. You excel in managing relationships with strong interpersonal skills.

You have

+ College degree and industry related education (i.e., LOMA, ALU, CLU) desired.

+ 1+ years' Individual Disability Underwriting experience desired.

+ Knowledge of individual disability insurance products/processes desired.

+ Working medical knowledge (i.e., Medical Terminology, Anatomy and Physiology, and Medical Conditions) desired.

+ General computer proficiency required.

+ Excellent analytical skills; written and oral communication skills and negotiation skills.

+ Exceptional decision-making skills and organizational and time management skills.

You will

+ Recognize and obtain requirements necessary in evaluating risks, consistently using the global approach (a “broadened view” of the entire case to forecast all needs and requirements at onset) to underwriting.

+ Evaluate medical, financial, and non-medical information, as developed, to determine the risk classification according to company guidelines.

+ Review prior underwriting files and recognize impact they have on current underwriting.

+ Communicate with the field force and home office personnel for the purpose of acquiring necessary information, solving problems, and conveying decisions in a polite, confident, and professional manner.

+ Consult with Medical Director and Mentors and/or senior underwriting staff for the purpose of resolving complex medical and non-medical histories.

+ Interpret underwriting policy and implement established guidelines, department procedures, and compliance directives.

+ Explain Guardian product information, risk classification, and underwriting action to peers and field force.

+ Work with peer underwriting staff, support personnel, and adjacent departments to facilitate the entire selection, issue, and administrative process.

+ Negotiate appeals of underwriting actions with general agents, agents, and agency personnel.

+ Evaluate risk involved in reinstatements, and other policy change requests as required.

+ Review, interpret and record Medical Information Bureau codes in accordance with established MIB guidelines.

+ Communicate actions with our proposed policyholders.

+ Participate in on-going training and development offerings to enhance customer service and underwriting, in support of a high-performance culture.

Location

The primary location for this position is remote, with an “at home” work arrangement but the successful candidate must be able to come on campus at any time.

Travel

You’ll be expected to travel to a Guardian work location annually or as determined by your manager.

Salary Range:

$48,170.00 - $72,260.00

The salary range reflected above is a good faith estimate of base pay for the primary location of the position. The salary for this position ultimately will be determined based on the education, experience, knowledge, and abilities of the successful candidate. In addition to salary, this role may also be eligible for annual, sales, or other incentive compensation.

Our Promise

At Guardian, you’ll have the support and flexibility to achieve your professional and personal goals. Through skill-building, leadership development and philanthropic opportunities, we provide opportunities to build communities and grow your career, surrounded by diverse colleagues with high ethical standards.

Inspire Well-Being

As part of Guardian’s Purpose – to inspire well-being – we are committed to offering contemporary, supportive, flexible, and inclusive benefits and resources to our colleagues. Explore our company benefits at www.guardianlife.com/careers/corporate/benefits . _Benefits apply to full-time eligible employees. Interns are not eligible for most Company benefits._

Equal Employment Opportunity

Guardian is an equal opportunity employer. All qualified applicants will be considered for employment without regard to age, race, color, creed, religion, sex, affectional or sexual orientation, national origin, ancestry, marital status, disability, military or veteran status, or any other classification protected by applicable law.

Accommodations

Guardian is committed to providing access, equal opportunity and reasonable accommodation for individuals with disabilities in employment, its services, programs, and activities. Guardian also provides reasonable accommodations to qualified job applicants (and employees) to accommodate the individual's known limitations related to pregnancy, childbirth, or related medical conditions, unless doing so would create an undue hardship. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact [email protected] .

Current Guardian Colleagues: Please apply through the internal Jobs Hub in Workday.

Every day, Guardian helps our 29 million customers realize their dreams through a range of insurance and financial products and services. Our Purpose, to inspire well-being, guides our dedication to the colleagues, consumers, and communities we serve. We know that people count, and we go above and beyond to prepare them for the life they want to live, focusing on their overall well-being — mind, body, and wallet. As one of the largest mutual insurance companies, we put our customers first. Behind every bright future is a GuardianTM. Learn more about Guardian at guardianlife.com .