Underwriting Consultant III

Job Description

Location : We support US flexible working arrangements in the contiguous 48 states. At Sun Life, we look for optimistic people who want to make life brighter for our Clients. We understand the value of diverse cultures, perspectives, and identities, and want you to bring your full and authentic self to work. Every day, you’ll be empowered and challenged by working with dynamic colleagues to find new and innovative ways to make Sun Life the best benefits company in America.  The opportunity :  The Underwriting Consultant III reports into FullscopeRMS Underwriting Management and is responsible for the evaluation and selection of risk as well as the establishment of premium levels that ensure the profitable acquisition of new cases and the continued profitable retention of inforce cases within the assigned case size levels. This position may assist in training, technical development and mentoring of an Underwriter. How you will contribute :  Risk Management : Support the development of an organization focused on high quality risk assessment. This requires the incumbent to :

Make appropriate risk, premium and business decisions, and exceptions on all cases within assigned limits

Analyze and identify early and ongoing risk trends for assigned clients and make appropriate recommendations for addressing these

Develop personal credibility with clients and peers

Teamwork : Support the achievement of FullscopeRMS as well as client goals. This requires the incumbent to :

Utilize technical expertise in risk selection

Develop selection and retention of client customers through accurate risk assessment and appropriate premium levels that meet profit, persistency, and sales objectives

Focus on the client’s case level sales

Demonstrate decisiveness, creativity, and superiority in risk selection so that the most competitive, equitable and appropriate decision is make for each client’s case

Independently make financial decisions of up to $250,000 within defined guidelines

Deliver dependable, accurate, timely service and build strong relationships with all clients

What you will bring with you :

Minimum 3 years of group insurance underwriting experience required; college degree preferred. High school diploma or equivalent required.

In depth knowledge of disability products including product provisions, plan design, pricing and contractual benefits

Knowledge of the reinsurance process

Demonstrated knowledge of industry and marketplace trends within the local marketplace for assigned clients

Creative problem solving / analytical reasoning skills

Strong math aptitude

Excellent communication skills, both written and verbal

Demonstrated ability to be persuasive and to negotiate

Ability to work independently and address problems through own initiative and creativity

Well organized and able to handle multiple priorities

Strong computer skills, proficient in a PC environment and MS Word, Excel, and email systems

Ability to work professionally and effectively with co-workers, clients, claimants, vendors, and others with whom FullscopeRMS does business

Excellent written and oral communication skills

Demonstrated ability to establish excellent team-oriented interpersonal working relationships

Demonstrated ability to working deadline-oriented environment with multiple priorities.

Strong customer service skills.

Demonstrated ability to work independently with minimal supervision.

Do you see yourself in this role even if you haven’t checked all the boxes above? We welcome all talented candidates and are committed to a culture that represents diversity in all forms. If you think you might thrive in this setting, we would love to hear from you. Not ready to apply yet but want to stay in touch? to stay connected until the time is right for you!  Life is brighter when you work at Sun Life

Excellent benefits and wellness programs to support the three pillars of your well-being – mental, physical, and financial – including generous vacation and sick time, market-leading paid family, parental and adoption leave, a partially-paid sabbatical program, medical plans, company paid life and AD&D insurance as well as disability programs and more

Retirement and Stock Purchase programs to help build and enhance your future financial security including a 401(k) plan with an employer-paid match as well as an employer-funded retirement account

A flexible work environment with a friendly, caring, collaborative and inclusive culture

Great Place to Work® Certified in Canada and the U.S.

Named as a “Top 10” employer by the Boston Globe's “Top Places to Work” two years running

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

The full range minimum and maximum listed in the job posting is tied to the GCF level and job family.

We consider various factors in determining actual pay including your skills, qualifications, and experience. In addition to salary, this position is eligible for incentive awards based on individual and business performance as well as a broad range of competitive benefits. Sun Life Financial is a leading provider of group insurance benefits in the U.S., helping people protect what they love about their lives. More than just a name, Sun Life symbolizes our brand promise of making life brighter -for our customers, partners, and communities. Join our talented, diverse workforce and launch a rewarding career. Visit us at to learn more. At Sun Life we strive to create a flexible work environment where our employees are empowered to do their best work. Several flexible work options are available and can be discussed throughout the selection process depending on the role requirements and individual needs.