When you join the team at Unum, you become part of an organization committed to helping you thrive.

Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life’s moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide: 

• Award-winning culture 

• Inclusion and diversity as a priority 

• Performance Based Incentive Plans

• Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability 

• Generous PTO (including paid time to volunteer!) 

• Up to 9.5% 401(k) employer contribution 

• Mental health support 

• Career advancement opportunities 

• Student loan repayment options 

• Tuition reimbursement

• Flexible work environments 

*All the benefits listed above are subject to the terms of their individual Plans.

And that’s just the beginning…  

With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you’re directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today! 

General Summary:

Principal Duties and Responsibilities

• Contribute to corporate growth and profitability through timely and accurate evaluation of risk and establishment of sound underwriting practices at the account and segment level.
• Responsible for determining the risk selection at the account level for underwriting concessions of both group and individual product lines. Responsible for implementing and communicating all updated risk selections.
• Responsible for monitoring current underwriting and renewal strategies by business segment that balances top line and bottom line growth consistent with the targeted risk characteristics and long-term strategy of the company.
• Work with Underwriting Management to ensure that appropriate measures are in place to support best risk management practices.
• Partner with Actuarial in evaluating underperforming product experience in determined accounts on an annual (or other determined time frame) basis. Recommend, negotiate, implement and monitor necessary risk changes at the account level as necessary.
• Must understand group and individual product lines on an in-depth nature.  Must understand the policy parameters, the enrollment methods available and operational system supports. The system support operational knowledge must be company wide to ensure viability of implementation of underwriting offer.
• Partner with the Sales Organization in understanding marketing opportunities and position product offerings that are deliverable by the Home Office.
• Facilitate with brokers product offerings that are profitable and deliverable.
• Ensure that product offerings positioned outside of normal guidelines are in line with “best” practices pertaining to Account Services/Client Success, Claims and Underwriting guidelines.
• Work with the Sales Organization and Account Management in evaluating business opportunities that may require risk and underwriting guidelines that fall outside our normal product guidelines.
• In communications with the Sales Organization look for opportunities to convey the theories of risk management and sound field underwriting practices.
• Coordinate with the Product Marketing, Actuarial and Underwriting departments developing appropriate underwriting guidelines for assigned products.
• Responsible for documenting underwriting practices on specific products. Ensure that proper documentation is provided to Underwriting training staff and management with respect to underwriting guidelines.
• Responsible for monitoring the competitive environment and communicating trends and potential solutions to remain competitive in underwriting practices.
• Identifies market trends in underwriting guidelines, develops and implements appropriate responses partnering with internal peers.
• Participate in application development and policy form review during product design and filing process on assigned product lines.
• Partner with Compliance and Legal departments in addressing application and legal issues.
• May perform other duties as assigned.

Job Specifications

• College degree or significant industry experience.
• Understanding of Unum/Colonial Life’s underwriting, marketing and risk philosophy.
• Extensive knowledge of Unum/Colonial Life’s individual and group product lines.
• In-depth product knowledge and demonstrated ability to apply concepts to make appropriate risk decisions.
• Extensive knowledge of external voluntary market (competitors).
• Strong initiative and ability to execute
• Strong multi-tasking capabilities.
• Works well under pressure and can manage multiple and changing priorities.
• Deadline oriented.
• Excellent negotiation and influencing skills
• Strong decision making abilities.
• Strong interpersonal and communication skills.
• Ability to travel approximately 5% to position underwriting offerings and other risk opportunities with sales organization.

~IN1

#LI-KL1

Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide.

Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.

The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience.

Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not.  All benefits are subject to the terms and conditions of individual Plans.

Company: