Job Description

Underwriting at Cigna: If you're looking to use strong analytical, risk management, and portfolio management skills in a competitive, fast-paced environment, an Underwriting career at Cigna will allow you to do all this and more. Underwriters evaluate the risk of insuring a potential Cigna customer and use that information to set premium rates for insurance policies. As part of our Underwriting team, you will directly impact our business on a daily basis, protecting Cigna's sound financial position which enables us to meet our financial commitments to our customers. **Core Responsibilities:** + Ability to quickly learn manual and claim experience rating models and related pricing tools. + Perform case-specific risk assessments and rate development for presale and inforce business for large and complex cases independently. + Develops strategic recommendations related to market competition, product development, and market pricing decisions. + Drive consultative engagement with Sales and Producers/Clients through presale and inforce case level strategies, and market discussions + Assist Sales as financial consultant on case-specific issues. Possesses an in depth understanding of manual rating models, claim experience projections, pricing tools, pricing adjustments and available plan designs. + Manages a complex book of business, with a variety of funding types, focused on attaining profitable growth, persistency, and earnings. + Responsible for driving engagement with other Underwriting areas to optimize cross-sale opportunities with a whole-case underwriting view. + Actively collaborates with product/pricing matrix partners to provide expertise/input on market level product and pricing needs. + Works autonomously. Exercises judgment in the evaluation, selection, and adaptation of both standard and complex techniques and procedures. + Independently hold calls with Sales, brokers, or clients. + Mentors less experienced underwriters serving as technical and strategic subject matter expert on complex issues. + Influences underwriting best practices and leads by example to the rest of the team. + Leads or provides advanced professional input to complex Risk & Underwriting assignments/projects, partnering with management to provide innovative ideas and strategic input to continuously improve processes and efficiencies. + This role includes internal project work which makes up 10-15% of the time in role. Projects focus on strategy and process improvement. **Minimum Qualifications:** + Minimum of 5 years related experience, with at least 3 years of medical underwriting + All or part of the 5+ years of experience must have been accumulated within the past 5 years + Bachelor's degree in the following majors and/or minors are preferred, but not required: Risk Management, Economics, Finance, Accounting, Management, Mathematics, and/or Business + Strong analytical and problem solving skills + Ability to manage complex cases and thrive in an ever-changing market segment. + Excellent decision making and negotiation skills + Excellent verbal and written communication skills + Passion and dedication to become a leader in the health service industry + Innovative thinking, customer-centricity and analytical problem-solving skills If you will be working at home occasionally or permanently, the internet connection must be obtained through a cable broadband or fiber optic internet service provider with speeds of at least 10Mbps download/5Mbps upload. For this position, we anticipate offering an annual salary of 86,700 - 144,500 USD / yearly, depending on relevant factors, including experience and geographic location. This role is also anticipated to be eligible to participate in an annual bonus plan. We want you to be healthy, balanced, and feel secure. That's why you'll enjoy a comprehensive range of benefits, with a focus on supporting your whole health. Starting on day one of your employment, you'll be offered several health-related benefits including medical, vision, dental, and well-being and behavioral health programs. We also offer 401(k) with company match, company paid life insurance, tuition reimbursement, a minimum of 18 days of paid time off per year and paid holidays. For more details on our employee benefits programs, visit Life at Cigna Group . **About Cigna Healthcare** Cigna Healthcare, a division of The Cigna Group, is an advocate for better health through every stage of life. We guide our customers through the health care system, empowering them with the information and insight they need to make the best choices for improving their health and vitality. Join us in driving growth and improving lives. _Qualified applicants will be considered without regard to race, color, age, disability, sex, childbirth (including pregnancy) or related medical conditions including but not limited to lactation, sexual orientation, gender identity or expression, veteran or military status, religion, national origin, ancestry, marital or familial status, genetic information, status with regard to public assistance, citizenship status or any other characteristic protected by applicable equal employment opportunity laws._ _If you require reasonable accommodation in completing the online application process, please email:_ _SeeYourself@cigna.com_ _for support. Do not email_ _SeeYourself@cigna.com_ _for an update on your application or to provide your resume as you will not receive a response._ _The Cigna Group has a tobacco-free policy and reserves the right not to hire tobacco/nicotine users in states where that is legally permissible. Candidates in such states who use tobacco/nicotine will not be considered for employment unless they enter a qualifying smoking cessation program prior to the start of their employment. These states include: Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Georgia, Hawaii, Idaho, Iowa, Kansas, Maryland, Massachusetts, Michigan, Nebraska, Ohio, Pennsylvania, Texas, Utah, Vermont, and Washington State._ _Qualified applicants with criminal histories will be considered for employment in a manner_ _consistent with all federal, state and local ordinances._

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