IM Underwriting Research Associate

Do you want to be part of a collaborative underwriting team? Do you think big and grow, accelerate impact, and lead change? Is a culture where “People Count,” “We Do the Right Thing,” and “We Hold Ourselves to Very High Standards” important to you? Does a supportive environment that allows time to develop knowledge and encourages work/life balance entice you? If so, Guardian is seeking an IM Underwriting Research Associate.

As the IM Underwriting Research Associate, you will be at the forefront of new innovations deployed within the Life and DI underwriting practice. You will partner with actuarial, systems specialists, and other underwriting expertise to develop an underwriting quality control ecosystem providing insights into mortality and morbidity. You will demonstrate underwriting system improvements to the broader underwriting production teams and work with underwriters to effectively manage defect/enhancement deployment.

You are

• A problem solver who understands risk (mortality and morbidity).

• Customer-focused with strong written and verbal communication skills.

• Meticulous exhibiting a high degree of accuracy in all responsibilities.

• Organized with strong time management skills and the ability to multi-task.

• An out-of-the-box, critical thinker.

• A team player and able to work independently.

You have

• 3 - 5 years of life or disability underwriting experience.

• Knowledge of life and/or disability insurance underwriting processes and procedures.

• Agile experience and able to work in JIRA.

• Moderate project management experience.

• Effective communicator (written and verbal).

• Proficient in MS Excel and able to perform basic exploratory data analysis techniques.

You will

• Contribute to the underwriting quality control/assurance ecosystem by executing post-issue risk assessments and random hold-out underwriting assessments.

• Perform user acceptance testing from the business perspective ensuring usability and efficiency is at the core of our enhancement deployment strategy.

• Administer protective value study framework and contribute to cost-benefit analysis discussions.

o Engagement with life and disability on proposed policy adjustments based on protective value study findings.

o Deliver underwriting opinion on change implications to leadership.

• Perform research and development support for underwriting, having a clear understanding of the underwriting industry with its inherent challenges/opportunities.

Location/Travel

Remote (Flex), position may require occasional travel to Guardian main sites or industry conferences.

Salary Range$66,130.00 - $108,640.00

The salary range reflected above is a good faith estimate of base pay for the primary location of the position. The salary for this position ultimately will be determined based on the education, experience, knowledge, and abilities of the successful candidate. In addition to salary, this role may also be eligible for annual, sales, or other incentive compensation.

Our Promise

At Guardian, you’ll have the support and flexibility to achieve your professional and personal goals. Through skill-building, leadership development and philanthropic opportunities, we provide opportunities to build communities and grow your career, surrounded by diverse colleagues with high ethical standards.

Inspire Well-Being

As part of Guardian’s Purpose – to inspire well-being – we are committed to offering contemporary, supportive, flexible, and inclusive benefits and resources to our colleagues.

Health Care

• Choice of [high deductible/copay] medical plans* with prescription drugs, including coverage for fertility and transgender inclusive benefits

• Dental plan

• Vision plan

• Health care accounts – flexible spending, health reimbursement, and health savings accounts

• Critical illness insurance

Life and Disability Insurance

• Company-paid Life and Disability insurance plus voluntary supplemental coverage

• Accident insurance

Retirement and Financial

• 401(k) retirement plan with a company match, plus an annual age/service-based Company contribution and an annual profit-sharing contribution, if applicable

• Complimentary 1:1 financial guidance with a licensed Fidelity representative

Time Off and Remote Work

• Flexible work arrangements (part in-person/part remote)

• Unlimited paid time off for most roles plus time off for volunteering, jury duty, voting, and bereavement

• Personal holidays for colleagues to use in recognition of religious, cultural, or civic days

• Paid parental leave and paid family and medical leave policies

Emotional Well-being and Work-Life

• Emotional well-being, mental health, and work/life resources powered by Spring Health

• Wellness programs, including fitness program and equipment reimbursement

• Child, adult, and elder back-up care support through Bright Horizons

• Adoption assistance

• College planning

• Tuition reimbursement

• Student loan assistance

• Commuter benefits in select metropolitan areas

Equity & Inclusion

Opportunities to build inclusive and meaningful connections through involvement in colleague-led affinity groups:

• Employee Resource Groups:

• Colleague Connection Committees

• Community Involvement Committees

A culture that encourages colleagues to bring their authentic selves to work

• Voluntary self-ID

• Pronunciation and phonetic spelling of names

Benefits apply to full-time eligible employees. Interns are not eligible for most Company benefits.

Equal Employment Opportunity

Guardian is an equal opportunity employer. All qualified applicants will be considered for employment without regard to age, race, color, creed, religion, sex, affectional or sexual orientation, national origin, ancestry, marital status, disability, military or veteran status, or any other classification protected by applicable law.

Accommodations

Guardian is committed to providing access, equal opportunity and reasonable accommodation for individuals with disabilities in employment, its services, programs, and activities. Guardian also provides reasonable accommodations to qualified job applicants (and employees) to accommodate the individual's known limitations related to pregnancy, childbirth, or related medical conditions, unless doing so would create an undue hardship. If reasonable accommodation is needed to participate in the job application or interview process, to perform essential job functions, and/or to receive other benefits and privileges of employment, please contact [email protected].

Current Guardian Colleagues: Please apply through the internal Jobs Hub in Workday.