Become a part of our caring community and help us put health first

The Life & Disability Financial Underwriter computes rates for both renewing and prospective group life and disability accounts. The Life & Disability Financial Underwriter work assignments are varied and frequently require interpretation and independent determination of the appropriate courses of action.

The Life & Disability Financial Underwriter will work with Life, AD&D, Short Term and Long Term Disability opportunities to prepare offers for prospective and renewal clients primarily in the small and mid-market segments. Providing appropriate rationale and support to Sales, clients and other areas within the organization surrounding risk selection, financial analysis, rate computations and financial activity. Provides expense estimates and accurate analysis of financial exhibits. Understands department, segment, and organizational strategy and operating objectives, including their linkages to related areas. Makes decisions regarding own work methods, occasionally in ambiguous situations, and requires minimal direction, receiving guidance where needed. Follows established guidelines/procedures.

Use your skills to make an impact

Required Qualifications

Bachelors degree or equivalent experience
Two or more years of Life, AD&D, Short Term and Long Term Disability underwriting and risk analysis
Comprehensive understanding of risk pool management, manual rating
Knowledge of the competitor landscape
Strong negotiation skills
Proficiency with Microsoft Word, Excel and Access
Must be passionate about contributing to an organization focused on continuously improving consumer experiences
Customer service orientation
Strong analysis and evaluation experience with the ability to negotiate with field partners as well as present to leadership the direction and support of options

Preferred Qualifications

Familiarity with Large Group experience rating for Life and Disability
Industry related course work is preferred but not required

Additional Information

Experience with other Employee Benefits such as Dental and Vision is beneficial

Travel: While this is a remote position, occasional travel to Humanas offices for training or meetings may be required.

Scheduled Weekly Hours

Pay Range

The compensation range below reflects a good faith estimate of starting base pay for full time (40 hours per week) employment at the time of posting. The pay range may be higher or lower based on geographic location and individual pay will vary based on demonstrated job related skills, knowledge, experience, education, certifications, etc.

$59,300 - $80,900 per year

This job is eligible for a bonus incentive plan. This incentive opportunity is based upon company and/or individual performance.

Description of Benefits

Humana, Inc. and its affiliated subsidiaries (collectively, “Humana”) offers competitive benefits that support whole-person well-being. Associate benefits are designed to encourage personal wellness and smart healthcare decisions for you and your family while also knowing your life extends outside of work. Among our benefits, Humana provides medical, dental and vision benefits, 401(k) retirement savings plan, time off (including paid time off, company and personal holidays, volunteer time off, paid parental and caregiver leave), short-term and long-term disability, life insurance and many other opportunities.

Application Deadline: 06-26-2025

About us

Humana Inc. (NYSE: HUM) is committed to putting health first – for our teammates, our customers and our company. Through our Humana insurance services and CenterWell healthcare services, we make it easier for the millions of people we serve to achieve their best health – delivering the care and service they need, when they need it. These efforts are leading to a better quality of life for people with Medicare, Medicaid, families, individuals, military service personnel, and communities at large.

Equal Opportunity Employer

It is the policy of Humana not to discriminate against any employee or applicant for employment because of race, color, religion, sex, sexual orientation, gender identity, national origin, age, marital status, genetic information, disability or protected veteran status. It is also the policy of Humana to take affirmative action, in compliance with Section 503 of the Rehabilitation Act and VEVRAA, to employ and to advance in employment individuals with disability or protected veteran status, and to base all employment decisions only on valid job requirements. This policy shall apply to all employment actions, including but not limited to recruitment, hiring, upgrading, promotion, transfer, demotion, layoff, recall, termination, rates of pay or other forms of compensation and selection for training, including apprenticeship, at all levels of employment.