Job Description
Summit Guardian Assurance is seeking a visionary Senior Insurance Underwriter to join our premier Life & Health division in Hartford, CT. In this high-impact role, you will lead complex risk evaluations, leveraging advanced data analytics and industry-leading methodologies to drive profitable growth. We pride ourselves on a culture of excellence, offering our team members a sophisticated environment where technical expertise meets strategic innovation.
As a key member of our underwriting leadership, you will move beyond standard processing to handle high-limit cases and provide critical insights that shape our portfolio's future. If you are a seasoned professional with a passion for precision and a track record of sound financial judgment, we invite you to elevate your career with a firm that values your expertise.
Responsibilities
- Evaluate and assess complex life and health insurance applications to determine risk acceptability and optimal coverage terms.
- Utilize advanced data-driven models and actuarial insights to establish appropriate premium rates for high-net-worth individual and group policies.
- Mentor and provide technical guidance to junior underwriters, fostering a culture of continuous learning and professional development.
- Collaborate cross-functionally with Sales, Actuarial, and Legal teams to refine underwriting guidelines and launch innovative insurance products.
- Maintain rigorous compliance with state and federal insurance regulations and internal corporate auditing standards.
- Manage strategic relationships with reinsurance partners to facilitate high-capacity risk placement and portfolio stability.
Qualifications
- Bachelor’s degree in Finance, Mathematics, Economics, or a related quantitative field.
- Minimum of 7 years of progressive experience in Life or Health insurance underwriting.
- Professional industry designation such as FALU (Fellow, Academy of Life Underwriting) or FLMI is highly preferred.
- Expert-level knowledge of medical terminology, mortality/morbidity trends, and financial statement analysis.
- Proven ability to utilize automated underwriting systems and advanced risk assessment software.
- Exceptional negotiation and communication skills, with the ability to articulate complex risk decisions to brokers and stakeholders.