Become a part of our caring community and help us put health first
 

The Life & Disability Senior Financial Underwriter is responsible for computing both new business and renewal rates for moderate to complex Group Life and Disability (Short Term Disability and Long Term Disability) coverages for all case sizes, using experience and manual rates. Independent review of client and competitor information, as well as ability to problem solve, and effectively negotiate with Sales and other areas of Humana is critical. The Senior Financial Underwriter will also be expected to be a resource and mentor to junior underwriters.

The Senior Financial Underwriter prepares a variety of financial exhibits and reports for large accounts and provides rationale and support to other areas within the organization and to clients regarding rate computations and financial activity.

• Recommends and communicates products, and competitive pricing to meet customer requirements.
• Reviews contract and certificates, working with Product and Compliance areas to evaluate ability to match plans for takeover.
• Negotiates with Sales and Account Management as needed in preparing offers for new and existing business.  May connect with agents/brokers and clients as needed, to resolve risk, plan and rating concerns.
• Responsible for administrative processing of cases, utilizing various UW tools, systems and databases to complete evaluations, and various Evidence of Insurability reviews.
• Effective documentation of UW decisions.
• Demonstrates strong time, organizational and desk management
• Provides mentoring/coaching in development of technical skills of others, supporting the growth of the team.  Conducts training for sales and/or underwriting staff as needed.
• Participates in project work to develop or improve underwriting processes.

Use your skills to make an impact
 

Required Qualifications

• Bachelor’s degree or equivalent experience
• 5+ years of experience with Employer Group Life and Disability underwriting.
• Ability to prioritize and efficiently handle multiple work items and due dates.
• Command of Underwriting tools and systems.
• Ability to challenge status-quo and produce alternatives to support goals and growth.
• Comprehensive understanding of risk pool management, manual rating, experience rating and thorough knowledge of Group Insurance products/processes.
• Excellent analytical and mathematical skills and ability to apply them to complex cases and issues.
• Ability to make decisions, solve problems and meet challenges in completing work.
• Strong negotiation and relationship building skills.
• Working knowledge of Microsoft products such as Excel, PowerPoint, and Word

Preferred Qualifications

• Master's Degree
• Experience underwriting rates for complex accounts
• Experience analyzing a wide variety of health or claims related data
• Industry Related course work is preferred but not required.
• Prior experience working with Reinsurers.

Additional Information

Travel: While this is a remote position, occasional travel to Humana's offices for training or meetings may be required.

Scheduled Weekly Hours

40

Pay Range

The compensation range below reflects a good faith estimate of starting base pay for full time (40 hours per week) employment at the time of posting. The pay range may be higher or lower based on geographic location and individual pay will vary based on demonstrated job related skills, knowledge, experience, education, certifications, etc.

 

$78,400 - $107,800 per year

 

This job is eligible for a bonus incentive plan. This incentive opportunity is based upon company and/or individual performance.

Description of Benefits

Humana, Inc. and its affiliated subsidiaries (collectively, “Humana”) offers competitive benefits that support whole-person well-being. Associate benefits are designed to encourage personal wellness and smart healthcare decisions for you and your family while also knowing your life extends outside of work. Among our benefits, Humana provides medical, dental and vision benefits, 401(k) retirement savings plan, time off (including paid time off, company and personal holidays, volunteer time off, paid parental and caregiver leave), short-term and long-term disability, life insurance and many other opportunities.

Application Deadline: 10-23-2025

About us
 

Humana Inc. (NYSE: HUM) is committed to putting health first – for our teammates, our customers and our company. Through our Humana insurance services and CenterWell healthcare services, we make it easier for the millions of people we serve to achieve their best health – delivering the care and service they need, when they need it. These efforts are leading to a better quality of life for people with Medicare, Medicaid, families, individuals, military service personnel, and communities at large.

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Equal Opportunity Employer

It is the policy of Humana not to discriminate against any employee or applicant for employment because of race, color, religion, sex, sexual orientation, gender identity, national origin, age, marital status, genetic information, disability or protected veteran status. It is also the policy of Humana to take affirmative action, in compliance with Section 503 of the Rehabilitation Act and VEVRAA, to employ and to advance in employment individuals with disability or protected veteran status, and to base all employment decisions only on valid job requirements. This policy shall apply to all employment actions, including but not limited to recruitment, hiring, upgrading, promotion, transfer, demotion, layoff, recall, termination, rates of pay or other forms of compensation and selection for training, including apprenticeship, at all levels of employment.