• Lead and oversee all underwriting activities for ASO and self-funded health plan clients, including new business, renewals, and existing account performance • Advise and mentor junior underwriters as a senior resource / SME, offering day-to-day guidance and technical support to foster professional development and underwriting consistency • Evaluate new business and renewal opportunities for ASO and self-funded employer groups • Analyze medical, pharmacy, and ancillary claims experience, utilization trends, and demographic data • Develop financial projections, renewal recommendations, and ASO fee pricing • Assess risk and recommend appropriate specific and aggregate stop-loss coverage levels • Coordinate with stop-loss carriers to obtain quotes, negotiate terms, and manage underwriting requirements • Review large claimant activity and emerging risk trends to support accurate pricing decisions • Prepare underwriting reports, proposals, and financial analyses for clients and internal stakeholders • Collaborate with sales and account management teams to support RFP responses, client presentations, and finalist meetings • Monitor account performance and recommend pricing, funding, or plan design adjustments as needed • Maintain underwriting documentation and ensure compliance with company policies and underwriting guidelines • Ensure compliance with state and federal regulations, including healthcare legislation changes by maintaining up-to-date knowledge of regulatory changes • Develop underwriting reports, forecasts, and presentations.

Role Description This is a full-time remote role for an Underwriter at New Heights Insurance Solutions, a Division of Specialty Program Group. The Underwriter will be responsible for: - Analyzing insurance applications - Determining coverage amounts and premiums - Evaluating clients' risk levels - Ensuring compliance with underwriting guidelines Key Responsibilities - Risk Assessment: Analyze applications and related documents to assess the risk involved in insuring an individual or entity. - Policy Evaluation: Review policy terms and conditions, ensuring they align with company standards and regulations. - Data Analysis: Utilize statistical data and/or risk assessment software to make informed decisions on coverage. - Communication: Liaise with agents, brokers, and clients to gather information and clarify details about applications. - Decision Making: Approve, modify, or decline insurance applications based on risk evaluation. - Documentation: Maintain accurate records of underwriting decisions and rationale for future reference. - Regulatory Compliance: Ensure compliance with industry regulations and company policies. - Continuous Education: Stay updated on industry trends, regulations, and changes in underwriting guidelines. - Collaboration: Work closely with claims adjusters, actuaries, and other professionals to refine risk assessment processes. - Reporting: Generate reports on underwriting activities and trends for management review. Qualifications - Strong analytical and decision-making skills - Excellent attention to detail and risk assessment abilities - Knowledge of insurance policies, regulations, and underwriting principles - Effective communication and interpersonal skills - Property casualty license - Relevant certification such as Chartered Property Casualty Underwriter (CPCU) is a plus Requirements - High school diploma required; College or Associates degree preferred - 2-5 years of relevant experience - No Travel Required Compensation The expected salary range for this position is $65,000 to $75,000 and will be impacted by factors such as the successful candidate’s skills, experience, and working location, as well as the specific position’s business line, scope, and level. - Comprehensive benefit and total compensation packages which could include: - Health/dental/vision/life/disability insurance - FSA, HAS, and 401(k) accounts - Paid-time-off benefits such as vacation, sick, personal, floating holidays, and company holidays - Eligible annual bonuses, equity, and commissions may be available for some positions Company Description New Heights Insurance Solutions, a division of SPG Insurance Solutions, is a growing and successful property and casualty insurance wholesaler and managing general agency based in Doylestown, PA, with remote staff. We sell exclusively to retail and wholesale agencies across the country with a focus on commercial construction risks.