Senior underwriter - life and disability insurance

Do you want to be part of a collaborative Underwriting team? Are you a problem solver who enjoys diving into data, is excited by difficult challenges and possesses good interpersonal skills to effectively interface between sales and business needs? Do you think big and grow, accelerate impact and lead change? Is a culture where" "We do the right thing,"," We believe people count.", "We courageously shape our future together", and "We go above and beyond for the people we serve" important to you? If so, Guardian is seeking a Senior Underwriter to identify risk selection for Multi-Life Life and Disability.

You are

You are a confident, independent professional with exceptional consulting and negotiation skills. You consistently demonstrate sound judgment and can clearly articulate your decisions on a case-by-case basis, balancing analytical rigor with strategic insight to support business objectives.

You will

• Understand current market trends to offer competitive plan designs for employees of companies who agree to pay for or market Guardian Supplemental Income Protection and Individual Life Products.

• Evaluate the risk profile or each case by analyzing key risk levers, including financial, occupational, etc., to ensure sound underwriting decisions aligned with company guidelines and risk tolerance.

• Coach and mentor underwriters across the department, fostering professional growth and consistency in decision-making. You will also contribute to cross-functional projects, representing the underwriting perspective to ensure risk strategies are aligned with business goals.

• Negotiate with sales representatives and communicate details of program offers.

• Collaborate with teams in pre-sale and pre-enrollment activities.

• Build and maintain strong relationships with both internal and external contacts.

You have

• 10 + years of insurance risk management experience, experience in life and disability underwriting, experience in Guarantee Issue Case Level Underwriting for Individual Disability and Executive Benefit Life a plus.

• Bachelor's Degree or equivalent work experience.

• Knowledge of Individual Life and Group Life, Group Long Term Disability, Individual Disability, and/or Supplemental Income Protection (Multi-Life Disability & Life) products, risk selection and distribution.

• An aptitude for problem solving and critical thinking.

• The ability to engage others to combine expertise and problem solving together.

• The ability to work in a fast-paced team, pivoting to multiple tasks through the day.

• The ability to remain adaptable and contribute to a work environment that seeks and recognizes continuous improvement.

• The ability to interact with confidence while engaging in open discussions to build rapport with others.

Reporting Relationships

• As our Senior Underwriter, you will report to our Head of Underwriting Multi Life

Location:

• Pittsfield, MA or Bethlehem, PA with work from home flexibility (Hybrid: 3 days in office)

Travel

• 10% travel required for this role for in-person and/or sales meetings.

Salary Range:

$67,450.00 - $110,815.00

The salary range reflected above is a good faith estimate of base pay for the primary location of the position. The salary for this position ultimately will be determined based on the education, experience, knowledge, and abilities of the successful candidate. In addition to salary, this role may also be eligible for annual, sales, or other incentive compensation.

Our Promise

At Guardian, you'll have the support and flexibility to achieve your professional and personal goals. Through skill-building, leadership development and philanthropic opportunities, we provide opportunities to build communities and grow your career, surrounded by diverse colleagues with high ethical standards.

Inspire Well-Being

As part of Guardian's Purpose - to inspire well-being - we are committed to offering contemporary, supportive, flexible, and inclusive benefits and resources to our colleagues. Explore our company benefits at . Benefits apply to full-time eligible employees. Interns are not eligible for most Company benefits.

Equal Employment Opportunity

Guardian is an equal opportunity employer. All qualified applicants will be considered for employment without regard to age, race, color, creed, religion, sex, affectional or sexual orientation, national origin, ancestry, marital status, disability, military or veteran status, or any other classification protected by applicable law.

Accommodations

Guardian is committed to providing access, equal opportunity and reasonable accommodation for individuals with disabilities in employment, its services, programs, and activities. Guardian also provides reasonable accommodations to qualified job applicants (and employees) to accommodate the individual's known limitations related to pregnancy, childbirth, or related medical conditions, unless doing so would create an undue hardship. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact [email protected] .

Current Guardian Colleagues: Please apply through the internal Jobs Hub in Workday.

Every day, Guardian helps our 29 million customers realize their dreams through a range of insurance and financial products and services. Our Purpose, to inspire well-being, guides our dedication to the colleagues, consumers, and communities we serve. We know that people count, and we go above and beyond to prepare them for the life they want to live, focusing on their overall well-being - mind, body, and wallet. As one of the largest mutual insurance companies, we put our customers first. Behind every bright future is a GuardianTM. Learn more about Guardian at guardianlife.com .