Senior Group Underwriter

Job Classification:

Operations - Insurance Operations

Senior Group Underwriter – Voluntary Benefits

Group Insurance is an operating unit within the U.S. Businesses Division that primarily focuses on creating, distributing, and administering a complex range of Life, and Disability and Voluntary Benefits insurance products for many top Fortune 500 companies. Prudential has been underwriting group insurance plans since 1916. Today, our Group Insurance business unit is the nation's second largest group life carrier and a leading disability carrier, proudly servicing nearly 20,000 clients—and insuring more than 20 million employees and their families. Group Insurance has operation centers across the United States.

The Senior Group Underwriter is primarily accountable for underwriting Voluntary Supplemental Health proposals and/or in force case activity. The Senior Group Underwriter is responsible for underwriting Critical Illness, Accident and Hospital Indemnity cases in accordance with statutory regulations and existing underwriting policies and practices, assessing risk and making and communicating decisions in a manner which contributes to the profitability of the product and reputation of the company.

This role can be virtual or hyrbid if you are located near a Pru office.

Job Responsibilities:

• Assesses, calculates and specifies the conditions under which Prudential is willing to accept risk on Voluntary Supplemental Health, for current and prospective clients. This includes, but is not limited to, the review and utilization of demographic data, actual case specific experience, product filings, statutory requirements and Prudential's current premium refund formula and policies.
• Communicates and partners with sales representatives, account managers, brokers, clients and prospective clients regarding case issues, underwriting assessments, pricing, rating etc. with a client focus. Actively engages in supporting the positive consultative outcomes crucial to our long-term success by enhanced application of growing underwriting and business expertise.
• Assists in the analysis and/or handling of complex situations with increased focus on client and company objectives demonstrating comprehension of underwriting and business dynamics.
• Determines whether to accept, modify, or decline a risk through evaluation of the client's employee census data, claims history, and other pertinent information within guidelines such as rating formula's, product filings and statutory requirements.
• Independently applies Underwriting judgment, formulates pricing decisions, negotiates within their authority limit, and handles standard to complex reporting requests. Understands and applies current pricing strategy across the book of business.
• Works closely with sales staff, brokers and clients to discuss financial results and support or directly engage in the negotiation process.
• Manage ad hoc projects, and or participate in periodic process and technical design work to improve service, efficiency, or profitability.
• Confidently and effectively communicates point of view through both verbal and written communications and negotiates with internal/external partners in various roles.
• Demonstrates an awareness of regional trends, competitive landscape and factors that influence the marketplace and regulatory environment.
• Ability to help others gain an understanding of the underwriting process, including case reviews.
• Demonstrates problem solving skills on risk and service-related issues, and broad institutional knowledge in the development of solutions.

Qualifications:

• Group underwriting experience in Voluntary benefits, preferably 2+ years
• Bachelor's degree or equivalent work experience
• Ability to work independently
• Strong time management and organizational skills
• Ability to prioritize work with limited oversight
• Strong Analytical and mathematical skills
• Excellent communication and collaboration skills
• Ability to develop strong working relationships

What we offer you:Prudential is required by state specific laws to include the salary range for this role when hiring a resident in applicable locations. The salary range for this role is from $65,900.00 to $102, Specific pricing for the role may vary within the above range based on many factors including geographic location, candidate experience, and skills.

• Market competitive base salaries, with a yearly bonus potential at every level. 

• Medical, dental, vision, life insurance, disability insurance, Paid Time Off (PTO), and leave of absences, such as parental and military leave. 

• 401(k) plan with company match (up to 4%). 

• Company-funded pension plan. 

• Wellness Programs including up to $1,600 a year for reimbursement of items purchased to support personal wellbeing needs. 

• Work/Life Resources to help support topics such as parenting, housing, senior care, finances, pets, legal matters, education, emotional and mental health, and career development.  

• Education Benefit to help finance traditional college enrollment toward obtaining an approved degree and many accredited certificate programs.  

• Employee Stock Purchase Plan: Shares can be purchased at 85% of the lower of two prices (Beginning or End of the purchase period), after one year of service. 

Eligibility to participate in a discretionary annual incentive program is subject to the rules governing the program, whereby an award, if any, depends on various factors including, without limitation, individual and organizational performance. To find out more about our Total Rewards package, visit Work Life Balance | Prudential Careers. Some of the above benefits may not apply to part-time employees scheduled to work less than 20 hours per week.  

Prudential Financial, Inc. of the United States is not affiliated with Prudential plc. which is headquartered in the United Kingdom. 

Prudential is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, ancestry, sex, sexual orientation, gender identity, national origin, genetics, disability, marital status, age, veteran status, domestic partner status, medical condition or any other characteristic protected by law. 

If you need an accommodation to complete the application process, please email  

If you are experiencing a technical issue with your application or an assessment, please email to request assistance.

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