Sr Group Underwriter

Horace Mann is seeking a Senior Group Underwriter to join our mission-driven Worksite Division. In this critical role, you’ll evaluate risk and pricing for group life, disability, and worksite benefits—including critical illness, accident, and hospital indemnity products. You’ll ensure underwriting decisions align with company guidelines while balancing revenue growth and risk management.

This position is responsible for accurate and timely underwriting of new business, renewals, and plan changes, while also serving as a technical resource for underwriters and underwriting assistants.

Horace Mann’s Worksite Division has more than 40 years of success providing voluntary and true group insurance solutions to the public sector—especially within education. We proudly serve over 750,000 educators and public service employees nationwide, helping them protect what they have today and prepare for tomorrow.

As we expand our reach to support more communities, we’re looking for an experienced, detail-oriented underwriter who shares our passion for serving those who serve others. If you're ready to make an impact in a meaningful way—this is the opportunity for you.

Responsibilities: 

• Provide accurate and timely proposals, renewals, plan changes and sold cases through analysis of group’s risk characteristics.
• Assure premium income adequately reflects the group’s risk and that contracts meet legal and company standards.
• Serves as a technical resource for the Associate Underwriters and Underwriting Assistants, regarding underwriting policies and procedures.
• Identifies training needs and provides coaching on day-to-day operations and assignments.
• Corresponds with inside and outside Marketing/Sales personnel, Actuarial and legal resources, Systems, Billing, Administration, Underwriting and Claims to assess plan changes, extensions of coverage, and benefit changes.
• Responds to written and verbal inquiries from policyholders, sales personnel, and internal departments, including discussion of in-force policy provisions, claims experience and technical aspects of specific financial arrangements.
• Monitors rate and benefit changes to ensure timely, accurate, and profitable implementation of amendments.
• Evaluates appropriateness of alternate funding arrangements including administrative services only (ASO) arrangements.
• Manages underwriting accounts to ensure retention and profitability.
• May deliver training sessions to sales and marketing personnel, groups and internal departments on rating structures, financial arrangements, funding, products, contracts and general benefit descriptions.
• Maintains in-depth knowledge of contract provisions, OCI statues, insurance laws and mandated benefits corresponding to benefits provided.
• Maintains effective working relationships with MGU’s, Agents, Brokers and Clients. Responds to inquiries in a professional, constructive manner.
• Develops innovative solutions for completion of special projects as necessary. Works with Project Teams as directed in cooperative and efficient manner.
• Attends seminars, reads industry publications, and takes industry courses to maintain knowledge of group insurance industry developments.
• Maintains constructive relationships with reinsurers through professional communication and understanding of reinsurance agreements. Assures compliance with reinsurance underwriting standards and limitations.
• Performs proper documentation of underwriting files including but not limited to manual rates, rate calculations, phone conversations and any written or verbal agreements.
• Utilizes in-depth knowledge of formulas, trending, reserving procedures, and claims allocation to create experience exhibits for internal and external clients/customers.

Requirements: 

• High school Diploma or GED, required.
• Bachelor’s degree preferred in a field related to Math, Statistics, or Insurance Business.
• 5+ years of experience in group life and disability underwriting required.
• Requires excellent verbal and written communication skills.
• Must have thorough understanding of underwriting, including all aspects involved in the development of experience rates.
• Must be able to effectively work on a team and independently.
• Candidate must possess superior problem-solving ability, organizational skills, and analytical ability.
• Working knowledge of Microsoft Word and Microsoft Excel required. 
• Minimal travel may be required.

Salary Range: 

           $71,500.00 - $105,400.00/annually

Salary is commensurate to experience, location, etc. 

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