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This role contributes to the strategic direction of the company as a fully participating member of the Underwriting Team. In achieving this purpose, Cigna's competitive position in the marketplace and reputation is enhanced therefore contributing to our overall growth.
The role of the Underwriter has traditionally been a back-office function with limited interaction with the end customer, broker, agent or tele-sales staff. Cigna is striving to become a customer focused company for both our internal and external customer and that means a different approach to underwriting is needed.
This role will have a higher level of engagement with the sales teams, both broker and tele-sales, and will require the underwriter to be either based in our call center working closely with the telesales teams visiting with brokers and clients or working from home independently.
This role should be flexible in underwriting and proactively seeking ways to improve the underwriting efficiency and able to embrace the modern underwriting approaches.
Job Responsibilities:
To assess risk applications accurately and consistently within agreed service levels, underwriting guidelines and underwriting authority thereby minimizing unfavorable exposure.
Make commercial underwriting decisions balancing risk assessment with business growth.
Within Cigna's underwriting philosophy obtain appropriate medical information to ensure accurate assessment of a risk.
To develop and maintain detailed product knowledge, technical underwriting knowledge and expertise. This will involve attending industry seminars, courses and workshops, obtaining and reading relevant literature, liaising with local networks and international peers and furthering education.
To maintain current knowledge of regulatory guidelines and to ensure compliance.
To maintain a high quality of effective and pro-active communication with key sales contacts and customers ensuring the smooth and correct flow of business.
To contribute to an efficient and effective underwriting service by seeking and providing assistance to the team whenever required.
To contribute to partner and customer satisfaction by personally answering the telephone and mail enquiries in a prompt, accurate, appropriate and courteous manner.
To participate in relevant project work as when required by the Manager.
To monitor performance of Underwriting Team.
Job Requirements:
Minimum 7 years insurance industry experience
Minimum 4 years Medical Underwriting Experience
Proven experience in leading and managing teams.
A relevant tertiary qualification would be preferred but is not essential.
Flexible in Underwriting
Excellent communication/interpersonal/telephone skills
Ability to develop and maintain excellent relationships with both internal and external customers.
Strong time management and prioritization skills
Problem solving and resolution skills.
Strong business sense
Advanced negotiation and influencing skills.
Enthusiastic with a positive attitude
Strong critical thinking and analytical skills
Computer literacy
About The Cigna Group
Cigna Healthcare, a division of The Cigna Group, is an advocate for better health through every stage of life. We guide our customers through the health care system, empowering them with the information and insight they need to make the best choices for improving their health and vitality. Join us in driving growth and improving lives.
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