Senior Underwriting Consultant

At OneAmerica Financial, our purpose is to create more certainty for our customers that leads to better moments, every day. Our commitment is to advance stability and growth in every solution and relationship.  We deliver financial strength that builds for generations, and we are always aspiring, looking ahead, and collaborating to achieve more, together.  Come be a part of this journey with us as we champion lives!

The Senior Underwriting Consultant plays a critical role within our Employee Benefits Underwriting Dept. to underwrite core Life and Disability products as well as new Supplemental Health product offerings to help OneAmerica Financial meet sales and profitability targets. This role works to analyze and price employer groups for Life, Disability and Supplemental Health products to meet divisional growth and profitability goals; supports the launch of our new Supplemental Health Products including Accident, Critical Illness, and Hospital Indemnity; acts as the subject matter expert (SME) for Supplemental Health products including creating and delivering training for the underwriting team; partners with Regional Supplemental Health Directors throughout the launch of new product offerings.

Primary responsibilities include but are not limited to:

• Triage new prospects to assess risk, plan design, data completeness, and pricing approach including any needed experience rating for Life, Short-Term Disability and Long-Term Disability.
• Advise Distribution on plan designs & pricing recommendation including options for benefit levels, comparison to current or competition, rating assumptions and risk analysis.
• Evaluate enrollment conditions and strategies to ensure successful implementation and satisfaction of any required product participation.
• Negotiate with sales reps on new business to balance competitiveness with risk and support progress toward divisional sales goals.
• Collaborate with Account Managers on renewals by applying the company’s renewal strategy considering plan designs, utilization, and pricing to maximize retention and ensure profitable performance.
• Coordinate cross-functionally with Distribution, Operations, Claims, Product, and Actuarial to ensure alignment and promote positive customer experience.
• Support special projects for leadership including process improvements, pricing updates, and new product features / offerings.
• Mentor teammates including reviewing work, sharing best practices, and helping to upskill the team.

• Minimum of 5 years of Life, Disability and Supplemental Health Underwriting
• Strong analytical and decision-making skills
• Excellent communication and mentoring abilities
• Advanced knowledge of EB hybrid products preferred
• Bachelor’s degree in a related field preferred
• High School Diploma or equivalent; or any combination of education and experience which would provide an equivalent background

Salary Band: 06B

#LI-SC1

This selected candidate will be expected to work remote. The candidate will also be expected to physically return to the office in CA, IN or ME as business needs dictate or for team building and collaboration.

Consistent with applicable pay transparency laws, we disclose the compensation range for this position: $79,500 - $132.500 annually. Actual compensation will be determined by factors such as education, experience, geographical location, and other job-related factors permitted by law. In addition to base pay, this role is eligible for an annual incentive program.

We offer a comprehensive total rewards package designed to support you both at work and at home. Full‑time and part‑time associates working 30 or more hours per week are generally eligible for benefits, including but not limited to:

• Medical & prescription, dental, vision insurance
• Health Savings Account & Flexible Spending Accounts
• Paid Time Off
• 10 weeks 100% paid parental leave (after completing 12 months of employment)
• 401(k) Plan with company match
• Pension Plan
• Company paid life & disability insurance
• Wellness Program & Company paid employee assistance program
• Clinic access subject to location* (*Indianapolis, Charlotte, Cincinnati)

If you are offered and accept this position, please be advised that OneAmerica Financial does not have any offices located in the State of New York and OneAmerica Financial associates are not permitted to work remotely in the State of New York.

Selected employees must be able to perform the essential functions of the position satisfactorily and, if requested, reasonable accommodations will be made to enable employees with disabilities to perform the essential functions of their job, absent undue hardship. 

Disclaimer:  American United Life Insurance Company (“OneAmerica Financial”) is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee based on race, color, religion, creed, national origin or ancestry, ethnicity, sex (including gender, pregnancy, sexual orientation, gender identity), age, physical or mental disability, veteran or military status, genetic information, citizenship, or any other legally recognized protected basis under federal, state, or local law.

For all positions:

Because this position is regulated by the Violent Crime Control and Law Enforcement Act, if an offer is made, applicants must undergo mandated background checks as a condition of employment. Such background checks include criminal history. A conviction is not necessarily an absolute bar to employment. Consistent with applicable regulatory guidelines and law, factors such as the age of the offense, evidence of rehabilitation, seriousness of violation, and job relatedness are considered.

To learn more about our products, services, and the companies of OneAmerica Financial, visit oneamerica.com/companies.