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Symetra Life Insurance Company

Senior Stop Loss Underwriter - Remote


Symetra has an exciting new opportunity to join our team as a Senior Stop Loss Underwriter!

About the role

In this role you will be responsible for risk-based underwriting of new and/or existing accounts. You'll be accountable for the achievement of profit, persistency, and growth goals through financial analysis of employer groups.

What you will do

Based on a case Quote Authority Limit of up to $3M specific stoploss annualized premium and $20M aggregate attachment point:

  • Determine level of risk based on established guidelines
  • Analyze information on past claim history and other standard criteria
  • Determine needed rate level using multiple tools, including a medical evaluation of ongoing large claimant concerns
  • Develop and determine appropriate aggregate factors
  • Underwrite larger and more complex cases
  • Release final rates and factors
  • Accountable for profitability and all risk-based decisions
  • Manage performance of new and/or existing accounts for assigned territories in the following areas:

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  • Target Final Effective Renewal Rate Increases
  • Close Ratio
  • Case Premium Persistency
  • Billed to Blended Manual Ratio
  • Quote Turn Around Time
  • Provide competitive feedback on rates/factors and products to management
  • Recommend improvements in underwriting and marketing strategies
  • Participate in Underwriting Projects and Cross Training Initiatives
  • Daily interaction with agents, field staff, marketing reps and other underwriters to maintain consistency and support department workflow
  • Build and maintain excellent client, Rep, TPA and internal personnel relations
  • Serve as a resource to junior level underwriters
  • May supervise Underwriting Analysts

  • Why Work at Symetra

    Here's what some of our employees have to say about why they work at Symetra:

    "Symetra is a great place if you are looking for the opportunity to contribute, to grow, to be seen and valued." Vernell K. - Auditor

    "If you want to work for a company that is always considering its employees while working towards sustainable growth this is that company. Within Symetra, there is always innovation, empowerment, and growth opportunities, all while providing us with a great work/life balance and incredible benefits for a very reasonable cost!" Cindy G. - Program Manager

    What we offer you

    Benefits and Perks

    We don't take a "one-size-fits-all" approach when it comes to our employees. Our programs are designed to make your life better both at work and at home.

    • Flexible full-time or hybrid telecommuting arrangements
    • Plan for your future with our 401(k) plan and take advantage of immediate vesting and company matching up to 6%
    • Paid time away including vacation and sick time, flex days and ten paid holidays
    • Give back to your community and double your impact through our company matching
    • Want more details? Check out our Symetra Benefits Overview


    Salary Range: $73,200 - $122,000 plus eligibility for annual bonus program


    Your experience and skills

    • Bachelor's Degree or equivalent combination of education and work experience required
    • 5 years of experience with Stop Loss Risk Based Underwriting
    • Extensive knowledge of Stop Loss products and pricing
    • Strong knowledge of the Underwriting Discipline and Employee Benefit Plans
    • Working towards HIA, MHP, or CEBS designations highly preferred
    • Proven financial ability
    • Strong analytical and technical skills
    • Adept decision-making skills
    • Effective interpersonal and negotiation skills
    • Service and sales oriented
    • Excellent written and verbal communication skills
    • Strong teamwork orientation
    • Presentation skills
    • Proficiency with the Microsoft Office Suite
    • Able to be effective in a fast paced, high-volume, production work environment
    • Able to adapt to shifts in priorities and manage case level negotiations

    We empower inclusion

    At Symetra, we aspire to be the most inclusive insurance company in the country. We're building a place where every employee feels valued, respected, and has opportunities to contribute.

    Inclusion is about recognizing our assumptions, considering multiple perspective, and removing barriers. We accept and celebrate diverse experiences, identities, and perspectives, because lifting each other up fuels thought and builds a stronger, more innovative company. We invite you to learn more about our efforts here.

    Creating a world where more people have access to financial freedom

    Symetra is a national financial services company dedicated to helping people achieve their financial goals and feel confident about the future. In our daily work, we're guided by the principles of Value, Transparency and Sustainability. This means we provide products and services people need at a competitive price, we communicate clearly and openly so people understand what they're buying, and we design products-and operate our company-to stand the test of time. We're committed to showing up for our communities, lifting up our employees, and standing up for diversity, equity and inclusion (DEI). Join our team and help us create a world where more people have access to financial freedom.

    For more information about our careers visit

    Work Authorization

    Employer work visa sponsorship and support are not provided for this role. Applicants must be currently authorized to work in the United States at hire and must maintain authorization to work in the United States throughout their employment with our company.



    Job ID: Symetra-5000931651406
    Employment Type: Other