Job Description:

Underwriting at Cigna: If you're looking to use strong analytical, risk management, and portfolio management skills in a competitive, fast-paced environment, an Underwriting career at Cigna will allow you to do all this and more. Underwriters evaluate the risk of insuring a potential Cigna customer and use that information to set premium rates for insurance policies. As part of our Underwriting team, you will directly impact our business on a daily basis, protecting Cigna's sound financial position which enables us to meet our financial commitments to our customers.

Core Responsibilities:

• Manages an assigned book of business, focused on attaining profitable growth, persistency, and earnings


• Performs case-specific risk assessments.


• Responsible for account level rate development and conducting customer negotiations with other underwriting areas and Sales.


• Evaluates medical claim experience and analyzes total case profitability.


• Develops and monitors account level earning plans to achieve growth and profitability.


• Develops strategic recommendations related to market competition, product development, and market pricing decisions.


• Assists Sales with customer presentations and acts as financial consultant on case-specific issues.


• Collaborates with product/pricing matrix partners to provide input on market level product and pricing needs.


• Mentors new hires and/or underwriters in training


• Ability to learn manual rating models and related pricing tools.

• Bachelor's degree in the following majors and/or minors are preferred, but not required: Risk Management, Economics, Finance, Accounting, Management, Mathematics, and/or Business


• 2-5 years of medical underwriting experience required


• Strong analytical and problem solving skills


• High comfort level with math/numbers


• Excellent verbal and written communication skills


• Passion and dedication to become a leader in the health service industry


• Strong business acumen along with leadership, innovative thinking, customer-centricity and analytical problem-solving skills

If you will be working at home occasionally or permanently, the internet connection must be obtained through a cable broadband or fiber optic internet service provider with speeds of at least 10Mbps download/5Mbps upload.

About Cigna Healthcare

Cigna Healthcare, a division of The Cigna Group, is an advocate for better health through every stage of life. We guide our customers through the health care system, empowering them with the information and insight they need to make the best choices for improving their health and vitality. Join us in driving growth and improving lives.

Qualified applicants will be considered without regard to race, color, age, disability, sex, childbirth (including pregnancy) or related medical conditions including but not limited to lactation, sexual orientation, gender identity or expression, veteran or military status, religion, national origin, ancestry, marital or familial status, genetic information, status with regard to public assistance, citizenship status or any other characteristic protected by applicable equal employment opportunity laws.

If you require reasonable accommodation in completing the online application process, please email: SeeYourself@cigna.com for support. Do not email SeeYourself@cigna.com for an update on your application or to provide your resume as you will not receive a response.

Qualified applicants with criminal histories will be considered for employment in a manner
consistent with all federal, state and local ordinances.

The Cigna Group has a tobacco-free policy and reserves the right not to hire tobacco/nicotine users in states where that is legally permissible. Candidates in such states who use tobacco/nicotine will not be considered for employment unless they enter a qualifying smoking cessation program prior to the start of their employment. These states include: Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Georgia, Hawaii, Idaho, Iowa, Kansas, Maryland, Massachusetts, Michigan, Nebraska, Ohio, Pennsylvania, Texas, Utah, Vermont, and Washington State.