• Requires independent discretion for account verifications and approvals that help the business continue growing • Strong attention to detail when reviewing new client account information • Working with other departments to help protect the company against fraud • Independently onboarding, reviewing, and approving new accounts • Create initial limits for accounts based on account review, work with Risk for adjustments • Seeking out accounts that appear to be fraudulent and alerting management when necessary • Collaborating with the other Underwriting team members in order to work most efficiently • The last day of every month require additional attention to help the business continue to grow • Customer account maintenance as needed • Possessing positive, can-do attitude during busy times of the month

Title: ILFS Underwriting Manager Location: Home - Any State United States - Full-Time - Remote - Locations Showing 1 location Home - Any State United States Job Description: 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 the Individual Life Underwriting department, responsible for evaluating and classifying risk for life and LTC hybrid products. This position ensures compliance with underwriting guidelines and procedures, aligning decisions with mortality and morbidity pricing standards. The consultant holds authority to postpone, decline, or apply substandard ratings within defined approval limits. What you will do: - Evaluate risks in accordance with established underwriting guidelines - Process cases using internal operating systems - Validate underwriting decisions with internal and external partners - Ensure adherence to published procedures and compliance standards - Participate in ongoing professional development and continuing education - Represent the company at industry events - Collaborate effectively in a team environment - Mentor and consult with junior underwriting staff What you will need: - Bachelor's degree in a related field preferred - High School Diploma or equivalent required - Minimum of 5 years of Individual Life underwriting experience required - Experience with underwriting LTC products ideal, but not required - Advanced knowledge of Life and LTC hybrid products preferred - Strong analytical and decision-making skills - Excellent communication and mentoring abilities Salary Band: 06B #LI-SH1 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: $95,000-110,000 annually (dependent upon experience). 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.

Role Description The Underwriting Consultant will select risks profitable to the Company while promoting a competitive offer for the agent and equitable results for the applicant. Responsibilities include: - Review life insurance applications within the limits of authority, including all underwriting requirements and other evidence of insurability to determine acceptability and to detect and deter attempts to defraud the company. - Order only additional requirements which are appropriate and necessary for the assessment of the risk. - Make appropriate decisions on cases within approval authority. - Through the referral process, recommend specific course of action or final decision on applications which are outside approval authority or where the complexity exceeds the individual experience level. - Maintain favorable relationships with the field. - Communicate with broker/partners the company position/decision on cases in a positive empathetic manner. - Provide counsel and advice to agency offices regarding submission and placement of business. - Identify process changes to improve customer experience. - As required, communicate with reinsurers on cases. - Approve Applications for policy issue up to $5,000,000 for all ages and ratings. - Consistently meet or exceed productivity and quality guidelines established by the department or team. - Assist the immediate manager with any special departmental projects at her/his direction. - Provide members of management with information and possible solutions regarding issues which affect the team, its agencies, or the department as a whole. - Make suggestions regarding increasing the approval authority or additional training of underwriters who refer cases. Qualifications - BS/BA degree or applicable experience. FLMI, FALU or CLU designation preferred. - Minimum 8 years of underwriting experience, including large case underwriting and substandard cases. Requirements - PC knowledge to include Word, Excel, and PowerPoint. - Knowledge of medical terminology and business financial documents. - Production & quality oriented. - Ability to make real-time independent decisions regarding life insurance applications. - Effectively utilize available resources. - Document cases and thought process. - Review more complex personal and financial cases. - Coach & mentor less experienced underwriters in the department, including second signature responsibilities. - Demonstrate understanding of the reinsurance process. - Proficient in financial underwriting, including underwriting business cases. - Agile & process improvement mindset. - Innovative & data driven. - Proficient in understanding the reinsurance process, including when cases need to be submitted and how to do so. - Able to demonstrate advanced technical underwriting knowledge and skills, including medical terminology. - Demonstrate superior written and verbal communication skills. Benefits - The expected hiring compensation range for this position is $109,900 - $135,000 annually. - This is a remote opportunity, operating on EST. Candidates local to the Frederick, Maryland area preferred. - The total compensation package may include other elements, such as a sign-on bonus, long term incentives, and annual bonuses. - This role is eligible to participate in the Annual Incentive Plan, with a current target payment of 20% of base salary, modified for corporate and individual performance. - 20 vacation days and 10 sick days accrued bi-weekly. - 9 paid holidays throughout the calendar year. - Health, life, and dental insurance. - 401K with company match up to 6% as well as a pension package. - Generous time off and wellbeing initiatives throughout the year. - Support and mentorship in career progression. - Opportunities to volunteer for causes that matter most to you.

Role Description Encova Insurance has an immediate opening for Production Underwriter, Package Lines for Georgia for accounts over $35k in premium. This is a remote position for candidates in GA who will travel throughout the state and visit agencies in order to develop new and existing relationships. A company vehicle will be provided. The position will report to a Regional Vice President, Commercial Lines. JOB OBJECTIVE: - Represent Encova Insurance and functions as the agency manager for assigned agents with a primary focus on commercial lines (e.g., worker’s compensation and/or package lines). - Responsible for achieving established premium growth and profitability objectives by reviewing risks, determining acceptability, and successfully writing profitable new business and retaining profitable renewal accounts. - Focused on taking action to achieve results that positively impact growth and profitability while ensuring excellent customer service and timely responsiveness to assigned agencies for their commercial lines accounts. ESSENTIAL FUNCTIONS: - As agency manager, this role is the liaison between Encova and its appointed agency force. Duties include: - Develop and maintain agency relationships through regular visits with agency leadership and production staff, encompassing: - Agency growth and profitability with Encova. - Agency progress towards Encova profit share program and Leaders’ Conference participation. - Encova updates and organizational changes. - Facilitate growth between all Encova profit centers and assigned agencies. - Coordinate agency training when needed and assist agencies with the tools needed to build sustainable, long-term profitable growth with Encova across all profit centers. - Gather competitive intelligence. - Stay abreast of current insurance laws and regulations. - Prospect and qualify new agents for potential appointments. - Submit written reports as required. - Attend industry events. - Determine the acceptability, quality, pricing, profitability and opportunity for new and renewal business. - Complete thorough risk analysis on designated accounts using appropriate Encova, NCCI, ISO and industry rules, policies, procedures, guidelines, etc. - Identify, create and initiate new business opportunities within current book of business and assigned agencies. - Gather and analyze information necessary to make an accurate evaluation of risk. - Determine appropriate pricing based on risk exposures, risk quality, loss potential and coverage provided. - Utilize available resources including company underwriting guidelines, business unit strategies, and consultation with others to ensure adequate understanding of risk exposures. - Prepare and participate in proposals to producers. Negotiate terms and conditions. - Ensure the proper issuance of policies, certificates, filings and notifications. - Effectively utilize rules and guidance to ensure proper policy construction. - Seek the guidance of management on risks exceeding assigned authority levels. - Identify underwriting issues; recommend and develop plans for problem resolution and implement them where appropriate. - Manage existing and prospective accounts by actively participating in account renewals, new business presentations and discussion with agents. - Participate in monitoring and analyzing performance of assigned agents; initiate actions and recognize consequences of alternative actions. - Account management including coordination of service delivery of various disciplines within the team: claim review, safety and loss services, customized reporting, etc. - Conduct/coordinate sales and training sessions and orientation of new products, programs, and systems for assigned agents. OTHER FUNCTIONS: - Responsible for automobile travel within territory traveling to agents’ offices. Car travel represents a meaningful portion of associate’s time. - Non-essential function: other duties as assigned. Qualifications - Minimum 5 years of progressive commercial lines underwriting experience in package lines and/or worker’s compensation in the Property and Casualty insurance market strongly preferred. - Bachelor’s degree preferred, demonstrated significant underwriting experience may substitute. - Demonstrated working knowledge of commercial multi-line underwriting, pricing and coverage. - Demonstrated knowledge of effective sales/marketing and agency relationship techniques including the ability to partner with independent insurance agents. - Preference may be shown for applicants with CPCU and/or ARM designation(s). - Demonstrated strong writing skills with an emphasis on marketing. - Ability to be creative and entrepreneurial in the approach to sales and marketing initiatives. - Ability to effectively manage multiple priorities and tight timelines while meeting established guidelines. - High-level interpersonal, communication, analytical, presentation and problem-solving skills. - Critical thinking: Ability to assess an individual situation and select applicable rules from an array of options, resulting in the most appropriate and sustainable decision. - Thorough knowledge of laws and rules and their application for the assigned territory. - Thorough working knowledge of policy and procedures regarding risk administration and risk management; underwriting and loss control. - Thorough knowledge of the insurance industry and the business environment in which it operates in order to develop an effective business strategy and remain technically current. - Thorough understanding of business exposure calculations, classifications, experience rating or other plan modifications. - Ability to develop and implement account, territorial, producer and book strategies to acquire and retain business. - Ability to work collaboratively and effectively in a team environment. - Ability to initiate, build and maintain effective working relationships and tailor services to meet customer needs. - Ability to use sound logic and decision-making skills to identify complex problems, analyze alternatives, then develop and implement effective solutions. - Ability to effectively plan and lead meetings: ensure an agenda is created, appropriate materials are ready in advance, the meeting stays on task, the client’s issues are addressed, and follow-up action plans are noted. - Ability to present ideas and information to individuals and groups in a clear, concise, influential, organized, and diplomatic manner and address concerns or needs. - Proficient in electronic mail system; use of intranet and internet; Microsoft Office products including Excel, Word, PowerPoint. - Ability to safely operate a motor vehicle and must hold a valid driver’s license. Benefits - Health, Dental & Vision Insurance - Company-provided life and income protection plans - Eligibility to participate in a company incentive bonus program - 401(k) Retirement Plan - 100% company match up to 7% on annual salary - Paid Time Off, Paid Holidays, and Floating Holidays - Flexible Work Arrangements - Hybrid and remote depending on the role