Underwriter

At The Standard, you’ll join a team focused on putting our customers first.

Our continued success is driven by a high-performance culture. We’re looking for people who are collaborative, accountable, creative, agile and are driven by a passion for doing what’s right – across the company and in our local communities.

We offer a caring culture where you can make a real difference, every day.

Ready to reach your highest potential? Let’s work together.

The Standard has completed the acquisition of the Employer[AM1] Voluntary Benefits business from Allstate. This deal enhances our competitive position in the market with a comprehensive offering of workplace benefits products and capabilities.

Job Summary
The Underwriter, Supplemental Accts (I/II) is responsible for underwriting small to medium-size cases for both new and renewal business, including developing proposals, managing add-on business, and revising contracts within set authority levels. This role utilizes underwriting methods and techniques for financial analysis and manual rate development. The Underwriter works with increased communication between sales, brokers, and internal departments, reviewing contracts, plan designs, and benefit options in greater detail. The Underwriter I handles more straightforward cases, while the Underwriter II will manage more complex cases requiring deeper expertise and judgment.

• Prepare proposals and coordinate final presentations, including required exhibits.
• Respond to underwriting team requests accurately and in a timely manner, maintaining positive communication with internal and external stakeholders.
• Build credibility with the sales force, brokers, and customers.
• Use AB’s workflow management tools to document decision-making processes.
• Analyze data related to small to medium case risks to determine benefits and rating.
• Review and manipulate census data for use in rating tools to generate manual rates.
• Communicate with policy owners, applicants, brokers, and agencies regarding underwriting decisions and procedures.
• Review master policy change requests for eligibility.
• Conduct research to gather additional data needed for benefit and premium decisions.
• Make independent case-level decisions, adhering to underwriting guidelines.

• Ability to make independent underwriting decisions while following company guidelines is a requirement of the role. *

Skills and Background You’ll Need
Underwriter, Supplemental Accts​ I
• 2+ years of relevant underwriting experience or related field.
• High school diploma or equivalent required; Bachelor's degree preferred.
• Strong analytical skills and ability to evaluate data for financial and risk analysis.
• Experience in developing proposals and working with underwriting tools and systems.
• Ability to work independently with minimal supervision.

Underwriter, Supplemental Accts​ II
• 3+ years of relevant underwriting experience or related field.
• High school diploma or equivalent required; Bachelor's degree preferred.
• In-depth experience managing more complex underwriting cases and risk assessments.
• Strong expertise in analyzing financial and risk data for a variety of cases.
• Experience in working with multiple departments to assess and resolve more complex cases.
• Proven ability to handle high-level decision-making with minimal supervision.
• Ability to mentor or guide less experienced team members.

Key Behaviors of a Successful Candidate
• Strong decision-making abilities and judgment.
• Ability to collaborate effectively across teams and with external partners.
• Detail-oriented with a focus on accuracy.
• Adaptability to changing business needs and underwriting guidelines.
• Strong communication and relationship-building skills.

Why Join The Standard?
We have built an enduring legacy of stability, innovation, and financial strength thanks to the contributions of the talented, creative, and compassionate people who choose to work at The Standard. To ensure we can attract and retain the best talent, when you join The Standard, you can expect:
• A rich benefits package including a 401(k) plan with matching company contributions
• An annual incentive bonus plan
• Generous paid time off
• A supportive and responsive management approach
• Opportunities for career growth and advancement
• Paid time off to volunteer
• An employee giving program that double matches your donations to eligible nonprofits and schools
• Much more!

Please note - the salary range for this role is listed below. In addition to salary, our package includes incentive plan participation and comprehensive benefits including medical, dental, vision and retirement benefits, as well as an initial PTO accrual of 164 hours per year. Employees also receive 11 paid holidays and 2 wellness days per year.

• Eligibility to participate in an incentive program is subject to the rules governing the program and plan. Any award depends on various factors, including individual and organizational performance.

Salary Range:

Standard Insurance Company, The Standard Life Insurance Company of New York, Standard Retirement Services, Inc., StanCorp Equities, Inc. and StanCorp Investment Advisers, Inc., marketed as The Standard, are Affirmative Action/Equal Opportunity employers. All qualified applicants will receive consideration for employment without regard to race, religion, color, sex, national origin, gender identity, sexual orientation, age, disability, or veteran status or any other condition protected by federal, state or local law. The Standard offers a drug and alcohol free work environment where possession, manufacture, transfer, offer, use of or being impaired by an illegal substance while on Standard property, or in other cases which the company believes might affect operations, safety or reputation of the company is prohibited. The Standard requires a criminal background investigation, employment, education and licensing verification as a condition of employment. All employees of The Standard must be bondable.