Financial Underwriter

Life/Disability Financial Underwriter Location: Louisville, KY, US Remote Employment Type: Contract Job Description: Role Overview The Disability Financial Underwriter will support Short Term and Long Term Disability opportunities for new and renewing clients in the small and mid-market group segments. This position involves preparing pricing and coverage offers, evaluating financial data, and providing rationale for underwriting decisions to internal and external partners. The role requires independent work methods within established guidelines, with guidance available when needed.

Key Responsibilities

• Prepare underwriting offers for Short Term and Long Term Disability employer group products.
• Evaluate financial risk and pricing for new and renewal business, focusing on groups with 100 or more members.
• Analyze historical data, claims levels, and financial exhibits to determine future rates.
• Provide clear explanations to sales associates and internal partners on risk selection and pricing decisions.
• Work with an internally built rating model and standard Microsoft applications.
• Follow established underwriting guidelines and procedures.

Required Qualifications

Education: Bachelor's degree or equivalent work experience. Experience: Two or more years of experience in employer group underwriting for Short Term and Long Term Disability products. Experience with large group sizes (100+) is ideal. Individual or loan underwriting experience is not applicable. Technical Skills: Proficiency with Microsoft Word, Excel, and Access.

Preferred Qualifications

• Experience analyzing disability and health-related data.
• Industry-related coursework.
• Experience with Dental, Vision, and/or Life insurance products.

Compensation & Benefits The pay rate for this position is $49.00 per hour. Information on benefits can be discussed during the application process. This employer is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability. Apex uses a virtual recruiter as part of the application process. Click here for more details. If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation in using our website for a search or application, please contact our Benefits Department at [email protected] or 804-523-8228 Everforth Apex is a world-class IT services company that serves thousands of clients across the globe. When you join Everforth Apex, you become part of a team that values innovation, collaboration, and continuous learning. We offer quality career resources, training, certifications, development opportunities, and a comprehensive benefits package. Our commitment to excellence is reflected in many awards, including ClearlyRated's Best of Staffing in Talent Satisfaction in the United States and Great Place to Work in the United Kingdom and Mexico. Everforth Apex uses a virtual recruiter as part of the application process. Click here for more details. Everforth Apex Benefits Overview: Everforth Apex offers a range of supplemental benefits, including medical, dental, vision, life, disability, and other insurance plans that offer an optional layer of financial protection. We offer an ESPP (employee stock purchase program) and a 401K program which allows you to contribute typically within 30 days of starting, with a company match after 12 months of tenure. Everforth Apex also offers a HSA (Health Savings Account on the HDHP plan), a SupportLinc Employee Assistance Program (EAP) with up to 8 free counseling sessions, a corporate discount savings program and other discounts. In terms of professional development, Everforth Apex hosts an on-demand training program, provides access to certification prep and a library of technical and leadership courses/books/seminars once you have 6+ months of tenure, and certification discounts and other perks to associations that include CompTIA and IIBA. Everforth Apex has a dedicated customer service team for our Consultants that can address questions around benefits and other resources, as well as a certified Career Coach. You can access a full list of our benefits, programs, support teams and resources within our 'Welcome Packet' as well, which an Everforth Apex team member can provide. Employee Type: Contract Remote: Yes Location: Louisville, KY, US Pay Range: $49 - $49 per hour Apply tot his job Apply To this Job