Title: Senior Associate Underwriter Location: New York , United States Job Description: Requisition ID 94105 Department Purchase Experience Value Stream Job Function Purchase Experience Value Stream Location Remote,New York,United States Role Location Designation Hybrid - 1 day per quarter Location Designation: Hybrid - 1 day per quarter Role Overview Reporting to a Managing Underwriter, the Senior Associate Underwriter is responsible for evaluating life insurance applications and determining whether applications should be approved, declined, or if additional information is required. This role is accountable for underwriting cases with a 2-Year Total Amount at Risk (TAAR) of $2.5 million or less and primarily handles applications that include Attending Physician Statements. The Senior Associate Underwriter applies underwriting guidelines, medical knowledge, and sound judgment to assess overall mortality risk and make informed recommendations on complex cases. This role works closely with agents, General Office personnel, and internal partners to support timely, accurate underwriting decisions while delivering strong customer experience. The position also contributes to underwriting projects, process improvements, and ongoing training initiatives. What You'll Do - Evaluate life insurance applications and accurately classify mortality risk using medical and nonmedical information for cases with a 2-Year TAAR of up to $2.5 million, including cases involving Attending Physician Statements. - Apply underwriting guidelines, medical knowledge, and professional judgment to assess complex risk factors and determine appropriate underwriting outcomes, including approvals, substandard ratings, or declines. - Communicate underwriting requirements, application updates, reinsurance offers, reconsideration requests, and final decisions to agents and General Office personnel through both written and verbal interactions. - Maintain a strong understanding of underwriting systems, product rules, medical terminology, and mortality factors to support accurate and efficient decision-making. - Participate in training initiatives, workflow enhancements, best practice discussions, and cross-functional projects that improve underwriting processes and customer experience. What You'll Bring Required Skills - Bachelor’s degree preferred or equivalent combination of education and relevant experience. - 3+ years of life underwriting experience with demonstrated knowledge of underwriting principles and mortality assessment. - Working knowledge of medical terminology and the ability to evaluate the impact of medical impairments on mortality risk. - Strong analytical and problem-solving skills with the ability to assess complex risk profiles and make sound underwriting recommendations. - Strong verbal and written communication skills with the ability to interact effectively with agents, General Office personnel, and internal stakeholders. - Strong customer service orientation with the ability to manage relationships and provide timely, professional support. Preferred Skills - Experience underwriting cases involving Attending Physician Statements and higher complexity medical impairments. - Familiarity with reinsurance processes, underwriting systems, and insurance product rules. - Experience participating in workflow improvement initiatives, training efforts, or cross-functional projects. - Ability to balance accuracy, risk assessment, and service expectations in a fast-paced environment. - Working knowledge of underwriting models, rules engines, and automated decision tools with he ability to interpret model outputs, apply appropriate judgement, and ensure decisions align with underwriting guidelines. - Familiarity with broader technology tools e.g. CoPilot, ChatGPT, and underwriting automation tools, that enhance efficiency, decision support, and workflow effectiveness. #LI - EM1 #LI - REMOTE Pay Transparency Salary Range: $73,000-$124,900 Overtime eligible: Exempt Discretionary bonus eligible: Yes Sales bonus eligible: No Actual base salary will be determined based on several factors but not limited to individual’s experience, skills, qualifications, and job location. Additionally, employees are eligible for an annual discretionary bonus. In addition to base salary, employees may also be eligible to participate in an incentive program. Please note: This role requires FINRA licensed and/or FINRA Associated Person pre-hire fingerprinting. Company Overview At New York Life, our 180-year legacy of purpose and integrity fuels our future. As we evolve into a more technology-, data-, and AI-enabled organization, we remain grounded in the values that drive lasting impact. Our diverse business portfolio creates opportunities to make a difference across industries and communities—inviting bold thinking, collaborative problem-solving, and purpose-driven innovation. Here, you’ll find the rare balance of long-standing stability and forward momentum, supported by an inclusive team that honors tradition while embracing progress. As a Fortune 100 mutual company, we offer a place to grow your skills, contribute to meaningful work, and deliver solutions that matter. Your ideas drive what’s next, and your growth powers it. Our Benefits We provide a full package of benefits for employees – and have unique offerings for a modern workforce, including leave programs, adoption assistance, and student loan repayment programs. Based on feedback from our employees, we continue to refine and add benefits to our offering, so that you can flourish both inside and outside of work. Click here to discover more about our comprehensive benefit options or visit our NYL Benefits Site. Our Commitment to Inclusion At New York Life, fostering an inclusive workplace is fundamental to who we are and how we serve our communities. We have a longstanding commitment to creating an environment where individuals can contribute their best and succeed together. This foundation is rooted in our core values of humanity and integrity, ensuring that every employee feels valued and supported. By embracing a broad range of perspectives and experiences, we achieve greater success and fulfill our promise of providing financial security and peace of mind to families across all communities. Click here to learn more about New York Life’s leadership in this space.​ Recognized as one of Fortune’s World’s Most Admired Companies, New York Life is committed to improving local communities through a culture of employee giving and volunteerism, supported by the Foundation. We're proud that due to our mutuality, we operate in the best interests of our policy owners. To learn more about career opportunities at New York Life. ​Visit our LinkedIn to see how our employees and agents are leading the industry and impacting communities. Visit our Newsroom to learn more about how our company is constantly evolving to meet our clients' and employees’ needs. Job Requisition ID: 94105

Title: PLADS Group Underwriter III Location: Columbus, GA or Columbia, SC,/ US Work Type:Remote, Hybrid, Full Time Job ID: 9457 Workplace: 5113 Job Description: Salary Range: $90,000 - $120,000 We’ve Got You Under Our Wing We are the duck. We develop and empower our people, cultivate relationships, give back to our community, and celebrate every success along the way. We do it all…The Aflac Way. Aflac, a Fortune 500 company, is an industry leader in voluntary insurance products that pay cash directly to policyholders and one of America's best-known brands. Aflac has been recognized as Fortune’s 50 Best Workplaces for Diversity and as one of World’s Most Ethical Companies by Ethisphere.com. Our business is about being there for people in need. So, ask yourself, are you the duck? If so, there’s a home, and a flourishing career for you at Aflac. Worker Designation – This role is an onsite role. You will be required to work at the {INSERT BUILDING NAME HERE} in {INSERT CITY/STATE HERE} during your set working schedule. Worker Designation – This role is a remote role. This means you will be expected to work from your home, within the continental US. If the role is remote, there may be occasions that you are requested to come to the office based on business need. Any requests to come to the office would be communicated with you in advance. Worker Designation – This role is hybrid. This means you will be expected to report to one of our Aflac offices located in {INSERT CITY/STATE HERE} for at least 60% of the work week. You will work from your home (within the continental US) for the remaining portion of the work week. Details of this schedule will be discussed with your leadership. Work Designation. Depending on your location within the continental US, this role may be hybrid or remote. - If you live within 50 miles of the Aflac offices located in Columbus, GA or Columbia, SC, this role will be hybrid. This means you will be expected to work in the office for at least 60% of the work week. You will work from your home (within the continental US) for the remaining portion of the work week. Details of this schedule will be discussed with your leadership. - If you live more than 50 miles from the Aflac offices located in Columbus, GA or Columbia, SC, this role will be remote. This means you will be expected to work from your home, within the continental US. If the role is remote, there may be occasions that you are requested to come to the office based on business need. Any requests to come to the office would be communicated with you in advance. What does it take to be successful at Aflac? - Acting with Integrity - Communicating Effectively - Pursuing Self-Development - Serving Customers - Supporting Change - Supporting Organizational Goals - Working with Diverse Populations What does it take to be successful in this role? - Has extensive knowledge of changes to policies, procedures, and governance tools, to ensure processes are up-to-date, reflect new policies and facilitate implementation within own work area - Solid Group Life/Disability underwriting knowledge - Understanding of Group Life and Disability products and services, affiliated systems and applicable operational policies and procedures - Strong math skills - Strong Microsoft Excel skills - Knowledge and skills in experience rating Life, STD, LTD, Leave products and analyzing competitor experience data Education & Experience Required - Bachelor's Degree In a related field - 4 years of financial underwriting experience with Group Life, STD, LTD and Leave products for employer groups exceeding 1,000 covered lives or 5 years of financial underwriting experience with Group Life, STD, LTD, and Leave products, including 2 years of experience for employer groups exceeding 1,000 covered lives Or an equivalent combination of education and experienc Principal Duties & Responsibilities - Completes assignments of high complexity while working within delegated authority - Provides technical underwriting support and guidance to customers and distributors, consistently providing excellent customer service - Maintains distributor relationships by consistently requesting the correct evidence, consistently making the correct decision and always explaining rating decisions - Completes a range of queries and referrals within agreed authority limits, measuring the exposure analyzing the risk of each case to maintain underwriting standards - Proactively contributes to the development and improvement of technical underwriting standards, controls, practices and procedures to better meet business goals - Proactively contributes ideas and work for the development of new or enhanced propositions /procedures/philosophy, ensuring we charge the right premium for the associated risk - Proactively supports development of self and others and contributing to a positive and supportive team culture - Identifies training opportunities for self and others and assists with training as directed - Works closely with distributors and other operational areas to support the overall achievement of the business plan, demonstrating knowledge in underwriting expertise, systems, procedures and processes - Assists with quality reviews in order to help identify, assess and take action to mitigate risks to achievement of underwriting goals and objectives - Undertakes investigations and inspections of data, processes and practice to identify potential or actual compliance issues and recommend appropriate action - Collates and analyzes data and make recommendations to support the underwriter´s decision making process - Assesses and evaluates underwriting processes in order to identify areas for improvement, tracking actions and monitoring implementation to demonstrate the impact that change may have - Acts as lead technical resource for standard methodologies and systems knowledge to enable underwriters to deliver to customers efficiently and effectively - Reviews and interprets information and advises internal clients of appropriate action to fulfill procedural and regulatory requirements - Performs other duties as required Total Rewards The salary range for this job is $90,000 - $120,000. This range is specific to the job and salary offers consider a wide range of factors that are considered in making compensation decisions, including, but not limited to: education, experience, licensure, certifications, geographic location, and peer compensation. In addition to the base salary, we offer an array of benefits to meet your needs including medical, dental, and vision coverage, prescription drug coverage, health care flexible spending, dependent care flexible spending, Aflac supplemental policies (Accident, Cancer, Critical Illness and Hospital Indemnity offered at no costs to employee), 401(k) plans, annual bonuses, and an opportunity to purchase company stock. On an annual basis, you’ll also be offered 11 paid holidays, up to 20 days PTO to be used for any reason, and, if eligible, state-mandated sick leave (Washington employees accrue 1-hour sick leave for every 40 hours worked) and other leaves of absence, if eligible, when needed to support your physical, financial, and emotional well-being. Aflac complies with all applicable leave laws, including, but not limited to, sick and safe leave, and adoption and parental leave, in all states and localities.

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