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UNUM Group Underwriter in Chattanooga, Tennessee

Job Posting End Date: 11/08

Unum is a company of people serving people. As one of the world's leading employee benefits providers and a Fortune 500 company, Unum's financial protection benefits help protect more than 36 million working people and their families from the financial impact of illness or injury. Unum's three distinct, but similarly focused US businesses – Unum US, Colonial Life, and Starmount Life – are each a market leader in making disability, life, accident, critical illness, dental, and vision insurance accessible in the workplace.

Headquartered in Chattanooga, Tennessee, Unum has significant US operations in Portland, Maine, Worcester, Massachusetts, and Glendale, California with over 35 field offices nationwide. Colonial Life is headquartered in Columbia, South Carolina with over 40 field offices nationwide. Starmount Life is based in Baton Rouge, Louisiana, and is the dental and vision center of excellence for Unum in the US.

General Summary:The Underwriter will demonstrate solid risk evaluation, selection and retention of profitable business within assigned authority limits. This also requires a solid ability to partner with Company sales teams, brokers and all internal partners.

Principal Duties and Responsibilities

  • Consult with sales and service partners to provide the products and plan options that best meet the needs of our customers.

  • Evaluate and select risk to ensure the profitable acquisition of new cases and the continued profitable retention of in force cases.

  • Conduct high quality risk assessments on all cases to assure business guidelines, target profit and metrics are met. Identify and analyze risk trends, making recommendations for addressing these

  • Exhibit an understanding of the Company’s products, the sales, implementation, and enrollment processes, and market place influences

  • Deliver dependable, accurate, and timely service while building relationships with internal and external partners

  • May assist with training, technical development and mentoring associate underwriters

Job Specifications

  • Bachelors degree or equivalent, relevant business experience

  • Demonstrated, consistent proficiency at Associate Underwriter level

  • Developed knowledge of product provisions, plan designs, pricing and contractual benefits

  • Solid technical expertise in risk selection

  • Demonstrated understanding of top-line and bottom-line objectives

  • Exhibit solid working knowledge of sales/distribution process and market trends

  • Solid creative problem solving skills

  • Strong critical thinking/analytical reasoning skills

  • Strong communication skills, both verbal and written

  • Strong organizational skills and ability to handle multiple priorities

  • Demonstrated ability to be persuasive and to negotiate

  • Demonstrated ability to work both independently and in a team environment

  • Exhibit a commitment to quality and personal ownership of results

Unum and its family of businesses offer world-class training and development, generous compensation and benefits packages, and a culture built on employee ideas.

Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.



A Fortune 500 company, Unum’s family of 10,000 employees spans three countries and dozens of office locations. Our employees focus each day on delivering financial protection benefits to millions of workers and their families when they need it most.

The Unum enterprise includes Unum in the U.S. and U.K., Colonial Life and Starmount Life Insurance – each a market leader in making disability, life, accident, critical illness, dental and vision insurance accessible in the workplace.