Underwriter, Insurance

Are you analytical, detail-oriented, and ready to make an impact? As an Underwriter I, you'll evaluate dental and vision plans, analyze data, and develop pricing recommendations that help deliver affordable, high-quality benefits to our members. This role offers the opportunity to build your expertise in underwriting, financial analysis, and benefit plan design while collaborating with teams across the organization. If you're eager to grow your career with a purpose-driven organization committed to improving oral health, we'd love to hear from you.

FLSA Status: Exempt

Reports To: Manager, Underwriting

The Underwriter I underwrites group dental and vision business of routine to limited complexity for new sales, renewals, and plan changes, including independently completing non-experience-rated pricing and independently underwriting standard experience-rated cases within established guidelines. This role analyzes group data, experience, and plan documentation to develop accurate pricing and benefit recommendations aligned with compliance requirements, internal underwriting guidelines, and profitability objectives.

The Underwriter I contributes to organizational financial performance by ensuring rate accuracy, data integrity, and operational execution through the Group Onboarding and Administration Tool (Cortex). The Underwriter I also supports the organization’s compliance posture by validating that submitted RFPs, plan changes, and implementation requests contain complete and accurate information prior to downstream processing (e.g., contract issuance, plan setup, and administration).

Underwriting workflow execution in Cortex is a shared team responsibility. The Underwriter I independently completes assigned workflow tasks for an assigned block/portfolio and provides shared queue coverage during peak periods, escalating non-standard issues as appropriate.

This work may include but is not limited to:

• Analyze group census, experience (as applicable), utilization summaries, and other inputs to develop rates for dental and vision products for new business, renewals, and plan changes for routine/limited complexity cases (non-experience-rated and standard experience-rated);
• Apply established guidelines/parameters to complete pricing and benefit recommendations for routine/limited complexity cases; escape non-standard requests, higher-risk items, or deviations as appropriate;
• Review Summary Plan Descriptions (SPDs), benefit certificates, and related plan documents to identify benefit plan design provisions, differences, and administrative considerations that impact pricing and benefit administration;
• Apply established underwriting guidelines, tools, and methodologies to support pricing and benefit determinations aligned with organizational objectives and market competitiveness;
• Prepare quotes, renewals, and supporting documentation in a timely and accurate manner and ensure underwriting files include clear rationale and supporting data;
• Partner with Account Management to align deliverables with client requirements and internal standards.

This work may include but is not limited to:

• Support actual-to-expected analysis by validating claims projections and assisting in identifying variances, data anomalies, or trend indicators;
• Document findings and elevate notable deviations for review to support continuous improvement in pricing accuracy and profitability;
• Run GEO access and disruption reports (as assigned) to support network access evaluation and client/broker…