This position is a technical underwriting role primarily responsible for managing underwriting risk through accurate and modern underwriting assessment of insurance applications and claims re-underwriting.  The role also involves in coaching and mentoring the underwriting team to enhance their medical underwriting knowledge and risk evaluation capabilities.

The ideal candidate will be an experienced medical underwriter with solid industry knowledge, strong technical expertise, with proven underwriting authority across various medical underwriting functions.

Job Responsibilities:

• To perform appropriate and accurate underwriting assessments for New Business, Policy Changes, and Claims cases, in accordance with service level agreements, underwriting guidelines, and authority limits.
• To apply Cigna’s underwriting philosophy in assessing the risk of individual applications.
• To maintain and stay update with product knowledges, market standards and technical underwriting expertise through industry engagement, professional development, and collaboration with reinsurers.
• To ensure compliance with current regulatory guidelines and internal policies.
• To foster effective and proactive communication with key stakeholders, including sales teams and customers, to ensure smooth business operations.
• To drive improvements in underwriting efficiency and adopt modern underwriting approaches and technologies.
• To provide coaching and mentorship to junior underwriters to enhance underwriting skills and medical knowledge within the team.
• To respond to partner and customer inquiries promptly, accurately, and professionally to ensure high level of satisfaction.
• To act as a subject matter expert in any ad hoc assignments relating to medical underwriting.

Job Requirements:

• Minimum of 10–15 years of experience in the underwriting field, with extensive exposure in Medical and Critical Illness products, and a strong technical underwriting knowledge and sound medical underwriting skills.
• Proven underwriting authority and track record of handling complex cases independently.
• Strong market knowledge and analytical skills to support sound underwriting and claims decisions.
• Demonstrated ability to improve underwriting processes and embrace innovation.
• Excellent communication and stakeholder management skills.

About The Cigna Group