The job profile for this position is Risk & Underwriting Senior Advisor, which is a Band 4 Senior Contributor Career Track Role. Excited to grow your career? We value our talented employees, and whenever possible strive to help one of our associates grow professionally before recruiting new talent to our open positions. If you think the open position you see is right for you, we encourage you to apply! Our people make all the difference in our success. We value our talented employees, and whenever possible strive to help one of our associates grow professionally before recruiting new talent to our open positions. If you think the open position you see is right for you, we encourage you to apply! Our people make all the difference in our success. Are you looking for a career that will directly impact business outcomes and earning results? If you’re looking to add value, make an impact, and use strong analytical and math skills in a fast-paced environment, a career within the Underwriting & Analytics team at Evernorth will allow you to do all this and more. As part of our Underwriting team, you will directly impact our business on a daily basis, protecting Cigna‘s sound financial position which enables us to meet our financial commitments to our customers. The Risk & Underwriter Senior Advisor role will be responsible for all underwriting activities in supporting Sales and Account Management (SAM) for renewing a portfolio of clients and for new sales clients. The Risk & Underwriter Senior Advisor will develop client-specific pricing strategies with competitive offers in the marketplace for all requests. These requests may include Request for Proposals (RFPs), Direct Renewals and Market Checks. The Risk & Underwriter Senior Advisor will also provide underwriting support for ad hoc and complex analyses with a potential financial impact. The Risk & Underwriter Senior Advisor will be required to gain in-depth knowledge of the PBM Industry and ESI-specific underwriting methods. What you’ll be doing in this role: - Provides expert content/professional leadership on complex Risk & Underwriting assignments/projects - Manages assigned book of business focused on attaining profitable growth, persistency, and earnings. - Performs case-specific risk assessments. - Performs account level rate development and conducts customer negotiations with Sales on a more complex book of business. - Develops and monitors account earnings plans to achieve growth and profitability. - Develops strategic recommendations related to market competition, products and pricing. - Partners with sales department and brokers to deliver customer presentations and acts as financial consultant on case-specific issues. - Influences underwriting best practice and provides input to matrix partners on product development and pricing - Conducts ad hoc analyses which have a potential financial impact (i.e. evaluating a change in formulary request, evaluating a change in retail network or retail arrangement requests, evaluating a change in specialty arrangement request, etc.) - Advise on contracting process and install process for renewing and new sales clients - Responsible for effectively communicating with Leadership, SAM and other business partners in the delivery of ESI opportunities to grow and manage financial results, including the preparation of strategic directed presentations. - Manage portfolio of clients to Strategic Plan and Budget targets by managing client specific rate relief - Ensure client contract compliance by reviewing and approving financial performance guarantees - Participate in department and company projects What you’ll have to be successful in this role: - Bachelor’s degree in Business Administration with a preference for the following major and/or minors Risk Management, Economics, Statistics, Mathematics, or Finance - 7+ years of risk and/or underwriting experience - Financial/analytical mindset - Experience in Pharmacy Benefits Manager (PBM), Managed Care, Healthcare, Pharmaceutical preferred - Strong interpersonal and presentation skills - Strong analytical and problem-solving skills - Ability to support own position with data and rationale, while being open to possibility that it may need to be re-examined - Ability to build partnerships and work collaboratively with others to meet shared objectives - Ability to make good and timely decisions by interpreting and applying understanding of key financial indicators - Strong motivation to persevere despite challenges - Excellent verbal and written communication skills - Business acumen with leadership, innovative thinking, and customer centric mindset - Self-starter; able to work on multiple projects simultaneously - Strong ability with Microsoft Office Platforms and Proficient in SQL If you will be working at home occasionally or permanently, the internet connection must be obtained through a cable broadband or fiber optic internet service provider with speeds of at least 10Mbps download/5Mbps upload. For this position, we anticipate offering an annual salary of 106,700 - 177,800 USD / yearly, depending on relevant factors, including experience and geographic location. This role is also anticipated to be eligible to participate in an annual bonus plan. At The Cigna Group, you’ll enjoy a comprehensive range of benefits, with a focus on supporting your whole health. Starting on day one of your employment, you’ll be offered several health-related benefits including medical, vision, dental, and well-being and behavioral health programs. We also offer 401(k), company paid life insurance, tuition reimbursement, a minimum of 18 days of paid time off per year and paid holidays. For more details on our employee benefits programs, click here. Qualified applicants will be considered without regard to race, color, age, disability, sex, childbirth (including pregnancy) or related medical conditions including but not limited to lactation, sexual orientation, gender identity or expression, veteran or military status, religion, national origin, ancestry, marital or familial status, genetic information, status with regard to public assistance, citizenship status or any other characteristic protected by applicable equal employment opportunity laws.Please note that you must meet our posting guidelines to be eligible for consideration. Policy can be reviewed at this link. Qualified applicants with criminal histories will be considered for employment in a manner consistent with all federal, state and local ordinances.

Role Description Zurich gives you the tools and support to construct a rewarding career in the Insurance industry. We are looking for an Underwriter or Underwriting Specialist, Construction Casualty to work remotely in Tennessee or Alabama supporting our Southeast region. As Construction Casualty Underwriter you will have a chance to use your marketing and analytical skills along with your knowledge to analyze and underwrite new and renewal Construction Casualty business both in the US. This is a market facing position and we are seeking someone with a strong sales execution mindset and knowledge of commercial Construction Casualty policies. There will be 15%-20% travel for this position. This role will be filled at either the Underwriter, Construction Casualty or Underwriting Specialist, Construction Casualty. The hiring manager will determine the appropriate level based upon the selected applicant’s experience and skill set relative to the qualifications listed for this position. Key Accountabilities of this role: - Administer and monitor underwriting rules and guidelines, rating manual rules, and insurance laws and regulations. - Develop, maintain & collaborate with Line of Business representatives and other business-related needs, as appropriate. - Develop and maintain relationships with distributors (agents & brokers) in support of business retention and acquisition and works with customers and distributors (agents & brokers) to determine their insurance related needs and provide solutions. - Support the organization's sales culture by being a Help Point for agents, brokers and customers. - Proactively seek renewal and new account opportunities. - Complete detailed opportunity assessment with key distributors to identify growth opportunities. - Qualify accounts to meet with the organization's appetite, balanced with sound business opportunity. - Make broker/customer and on-site calls with a planned and well-prepared purpose. Qualifications - High School Diploma or Equivalent and 1 or more years of experience in the Insurance, Banking, Mortgage, Finance, Construction or Market Facing area. - OR High School Diploma or Equivalent and 2 or more years of experience in the Claims or Underwriting Support area. - AND Knowledge of the insurance industry and the legal and regulatory environment. - Knowledge of underwriting philosophy, techniques, national/local filing regulations and guidelines. Requirements - High School Diploma or Equivalent and 3 or more years of experience in the Underwriting or Market Facing area. - OR High School Diploma or Equivalent and 6 or more years of experience in the Claims or Underwriting Support area. - OR Zurich Certified Insurance Apprentice including an Associate Degree and 1 or more years of experience in the Underwriting or Market Facing area. - OR Zurich Certified Insurance Apprentice including an Associate Degree and 4 or more years of experience in the Claims or Underwriting Support area. - AND Knowledge of line/s of business and the legal and regulatory guidelines. - Knowledge of time restraints for quotes on new and renewal business. - Experience with Microsoft Office. Preferred Qualifications - Bachelor’s Degree. - Commercial Construction Casualty underwriting experience and broker relationships in the Southeast region. - Ability to effectively assess risk. - Superior skills in relationship building, active listening, needs analysis, and win-win negotiating. - Possess knowledge of time restraints for quotes on new and renewal business. - Excellent oral and written communication skills. - PC and related software skills. - CRIS or CPCU. Benefits - Your pay at Zurich is based on your role, location, skills, and experience. - We follow local laws to ensure fair compensation. - You may also be eligible for bonuses and merit increases. - The combined salary range for this position is $57,000.00 - $117,900.00. - The proposed salary range for the Underwriter is $57,000.00 - $93,300.00, with short-term incentive bonus eligibility set at 10%. - The proposed salary range for the Underwriting Specialist is $72,100.00 - $117,900.00, with short-term incentive bonus eligibility set at 10%. Company Description At Zurich, we value your ideas and experience. We offer growth, inclusion, and a supportive environment—so you can help shape the future of insurance. Zurich North America is a leader in risk management, with over 150 years of expertise and coverage across 25+ industries, including 90% of the Fortune 500®. Join us for a brighter future—for yourself and our customers.

Role Description Professional Protector Plan seeks a Production Underwriter for a professional liability group. This can be a remote from home opportunity. This exciting role will perform the underwriting function to determine acceptability of new business and maintain integrity of underwriting practices in dealing with procedures and carrier personnel, monitor activities of support staff. - Regularly initiate contact with producers/administrators to solicit new business opportunities and promote Dental Program production goals. - Respond to and underwrite new business submissions in a timely manner. - Maintain contact with carrier underwriting personnel; advise of performance and response to identified needs. - Suggest improvements in policy coverage or amendments to improve or maintain program results. - Adhere to carrier and internal underwriting guidelines and performance standards. - Review submissions or circumstances and resolve, if within authority, or refer with recommended action. - Maintain visibility in the marketplace by securing and reviewing local market information. - Occasional travel to State Administrator’s office to promote the profitable growth of the book of business may be required. - Manage profitability per PPP and carrier strategies. - Back up to Underwriters and/or Underwriting Supervisor. - Other duties as assigned. Qualifications - Requires basic insurance understanding of property casualty and professional liability policy form and structure. - Ability to read, interpret, and verify specific procedures. - Requires effective written and verbal communication skills along with the ability to communicate effectively to all levels of producer, administrator and internal staff. - Ability to exercise good judgment in adhering to business and personnel guidelines. - Active P&C license. Benefits - Excellent growth and advancement opportunities. - Competitive pay based on experience. - Discretionary Time Off (DTO). - Generous benefits package: health, dental, vision, 401(k), etc. - Employee Stock Purchase Plan. - Health Benefits: Medical/Rx, Dental, Vision, Life Insurance, Disability Insurance. - Financial Benefits: ESPP; 401k; Student Loan Assistance; Tuition Reimbursement. - Mental Health & Wellness: Free Mental Health & Enhanced Advocacy Services. - Beyond Benefits: Paid Time Off, Holidays, Preferred Partner Discounts and more. Company Description Built on meritocracy, our unique company culture rewards self-starters and those who are committed to doing what is best for our customers.

Role Description Professional Protector Plan seeks a Production Underwriter for a professional liability group. This can be a remote from home opportunity. This exciting role will perform the underwriting function to determine acceptability of new business and maintain integrity of underwriting practices in dealing with procedures and carrier personnel, monitor activities of support staff. - Regularly initiate contact with producers/administrators to solicit new business opportunities and promote Dental Program production goals. - Respond to and underwrite new business submissions in a timely manner. - Maintain contact with carrier underwriting personnel; advise of performance and response to identified needs. Suggest improvements in policy coverage or amendments to improve or maintain program results. - Adhere to carrier and internal underwriting guidelines and performance standards. - Review submissions or circumstances and resolve, if within authority, or refer with recommended action. - Maintain visibility in the marketplace by securing and reviewing local market information. - Occasional travel to State Administrator’s office to promote the profitable growth of the book of business may be required. - Manage profitability per PPP and carrier strategies. - Back up to Underwriters and/or Underwriting Supervisor. - Other duties as assigned. Qualifications - Requires basic insurance understanding of property casualty and professional liability policy form and structure. - Ability to read, interpret, and verify specific procedures. - Requires effective written and verbal communication skills along with the ability to communicate effectively to all levels of producer, administrator and internal staff. - Ability to exercise good judgment in adhering to business and personnel guidelines. - Active P&C license. Benefits - Excellent growth and advancement opportunities. - Competitive pay based on experience. - Discretionary Time Off (DTO). - Generous benefits package: health, dental, vision, 401(k), etc. - Employee Stock Purchase Plan. - Health Benefits: Medical/Rx, Dental, Vision, Life Insurance, Disability Insurance. - Financial Benefits: ESPP; 401k; Student Loan Assistance; Tuition Reimbursement. - Mental Health & Wellness: Free Mental Health & Enhanced Advocacy Services. - Beyond Benefits: Paid Time Off, Holidays, Preferred Partner Discounts and more. Company Description Built on meritocracy, our unique company culture rewards self-starters and those who are committed to doing what is best for our customers.