The Risk Management & Underwriting Advisor - Supplemental Health Solutions is responsible for new and inforce business underwriting for Group Accidental Injury (AI), Critical Illness (CI) and Hospital Care (HC) insurance products.

You will complete training to prepare you for this role. This is an accelerated training program over the course of a few weeks which will include "classroom" and self-study training. The curriculum provides training on supplemental health products, risk analysis & rate projections, systems & tools, and contract language & terminology. Immediately following the initial training, you, with Mentor support, will transition into underwriting for a team equipped to make an immediate contribution to Cigna's business and earnings results.

Candidates for this position will be required to quickly learn the Supplemental Health Solutions manual rating models and related pricing tools; knowledge of pricing adjustments and available plan designs; and an ability to assess financial risk based on multiple information sources.

New and inforce business underwriting for this position will focus on employer groups from 250 lives (focused on larger/complex employer groups) + supporting a variety of markets. New business and inforce underwriting will consist of performing strategic case specific risk assessments to develop appropriate premium rates and plan designs for a given risk to support the market's growth and profitability goals.

The underwriter is responsible for account level rate development and conducting customer negotiations with other underwriting areas, Sales and Account Management on their book of business. The underwriter will evaluate and analyze total case profitability and develop strategic recommendations related to market competition, product development, and market pricing decisions. The underwriter will act with a sense of urgency to meet deadlines for all requests, and deliver accurate underwriting packages of the highest quality.

This position will require assisting Sales and Account Management partners with underwriting data and financial exhibits on customer presentations. Collaboration with product/pricing matrix partners is also required to provide input on market level products and pricing needs.

Core Responsibilities:

• Ability to quickly learn manual 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, market discussions
• Assist Sales as financial consultant on case-specific issues. Possesses an in depth understanding of manual rating models, pricing tools pricing adjustments and available plan designs.
• Managesa complex an assigned Supplemental Health Solutions book of business, focused on attaining profitable growth, persistency, and earnings.
• Responsible for driving engagement with other Underwriting areas (Medical and Dental) 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:

• 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
• 5+ years of supplemental health, medical, dental or life and disability underwriting experience required
• 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
• Track record of leadership and influence
• Demonstrated ability to effectively communicate with all levels of the organization

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 79,800 - 133,000 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 .

About Cigna

Cigna Corporation exists to improve lives. We are a global health service company dedicated to improving the health, well-being and peace of mind of those we serve. Together, with colleagues around the world, we aspire to transform health services, making them more affordable and accessible to millions. Through our unmatched expertise, bold action, fresh ideas and an unwavering commitment to patient-centered care, we are a force of health services innovation. When you work with us, or one of our subsidiaries, you'll enjoy meaningful career experiences that enrich people's lives. What difference will you make?

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.

Cigna 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.