Senior Underwriter

Description and Requirements

Join the nation's largest non-medical carrier of group insurance, where your work will impact over 55,000 customers and cover more than 50 million employees and family members. As part of Met Life's Group Benefits team, you'll deliver innovative benefits solutions - life, disability, dental, vision, and voluntary benefits - tailored to today's employers and work forces. Collaborate with customers, brokers, and partners to expand our offerings and reimagine digital experiences.

Join us and be part of an organization committed to supporting customers when they need us most.

Our Regional & Small Business Solutions team is responsible for strategy, sales, underwriting, account management and overall profitability. The Senior Underwriter will provide group underwriting services for new business and renewals of dental, disability, life, and voluntary products for customers generally having 2-5,000 eligible employees.

The Senior Underwriter is responsible to evaluate risk characteristics inherent in group insurance plans for prospects (new business) as well as renewals (existing business). This person will conduct a detailed analysis to establish profitable and competitive rates and plan characteristics given the unique circumstances and needs of each group customer.

• Analyzes risk by running manual rate calculations and/or preparing complex experience-rated quotes; works with Sales team and other partners to ensure the final proposal will meet the needs of the group customer.
• Underwrites new business quotes of complex requirements by analyzing plan design, demographics, and experience information to decide whether to accept risk and establish profitable and competitive premium levels. Demonstrates ability to work independently on quotes of complex nature.
• Underwrites renewals by reviewing current plan's premium history, claims history, and company financial condition to determine appropriate renewal action.
• Prices and offers plan changes, produces experience analysis, and responds to inquiries from the Sales team, broker, customer, and other partners.
• Works proactively and collaboratively with internal and external partners to make sound decisions that will continue to build Met Life's book of group insurance business. Proactively provides market-differentiating solutions to increase likelihood of success on a given quote.
• Proactively provides market-differentiating solutions to increase likelihood of success on a given quote.

• Bachelor's degree.
• Excellent communication skills, including verbal, written, and active listening abilities.
• Strong analytical skills and problem-solving capabilities.
• Ability to work effectively under pressure, manage competing priorities, and meet tight deadlines while handling a high volume of work.
• Adaptability and willingness to learn new products, processes, and tools to support team and business needs.
• Outstanding customer service skills with the ability to communicate information clearly and professionally to internal and external partners.
• Highly organized, with strong prioritization, time management, and multitasking skills.
• Collaborative team player who works effectively with underwriters and business partners across the organization.
• Strong knowledge of Microsoft Office applications, including Excel and Word, with the ability to develop spreadsheets utilizing moderate to advanced formula functionality to improve efficiency.
• Experience participating in projects focused on continuous improvement of underwriting operations, including supporting the preparation and delivery of training materials.
• Ability to use approved AI tools to support routine tasks such as drafting, summarizing, organizing information, and improving day-to-day efficiency.
• Working knowledge of AI capabilities with the ability to evaluate, validate, and appropriately apply AI-generated outputs with guidance.

• 3 years of group underwriting experience.
• Strong knowledge of underwriting policies and procedures, underwriting guidelines and philosophies.
• College degree in Math, Business, Finance, or the Financial…