Job Description

Position Overview: The Stop Loss Underwriter at Everlong Captive evaluates, prices, and manages risk associated with stop loss insurance policies, which protect self-insured employers from catastrophic claims. The goal is to ensure the insurer assumes appropriate risks for adequate premiums.

Key Responsibilities:

• Creates and maintains underwriting guidelines for the program
• Compiles data reflecting the program's yearly loss ratios with medical trend factored in against current offerings at different excess reinsurance levels
• Conduct in-depth analysis of applications, financial documents, and other relevant information to make informed decisions
• Performing risk assessments on potential clients to minimize financial loss
• Underwrite and analyze new and renewal business
• Stay informed of industry trends, regulations, and emerging risks within the stop-loss and employee benefits market
• Support strategic partnerships with AI vendors in the health insurance and reinsurance sectors

Qualifications:

• A Bachelor’s degree in business, finance, economics, or a related field
• 5+ years of experience in medical stop loss underwriting
• Experience working with manuals
• The ability to interpret and analyze large datasets, identify trends, and make data-driven decisions
• Familiarity with artificial analytics tools, software, and Microsoft Office Suite
• A thorough understanding of medical insurance terminology, concepts, and underwriting principles, as well as regulatory requirements and industry best practices
• The ability to adjust to evolving situations and implement necessary changes

Our Culture:

A team of energetic thinkers and doers driven to fix group health insurance for employers and their employees. We are fast-paced, innovative, dynamic, and seriously fun! You’ll be able to take ownership of your work, let your ideas be heard, and challenge yourself. We support and encourage a healthy lifestyle and have time for social events with our team.

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