Why Join Guardian Life?

Join Guardian Life as a Specialty Market Underwriter Consultant and become a key player in driving growth within the Key Markets broker segment. At Guardian, we're more than just an insurance company—we're a leader in protecting what matters most to businesses and individuals. You'll collaborate with dynamic Sales, Underwriting, Product & Pricing teams, and innovative channel partners like PEOs, Master Brokers, Technology Partners, and Medical Carrier alliances. Tackle complex underwriting challenges, shape strategic initiatives, and deliver profitable results that expand revenue and market share.

Thrive in a fast-paced, relationship-driven environment where your expertise influences policy, mentors emerging talent, and leads high-impact projects. Guardian values ethical practices, superior customer service, and continuous innovation. With a hybrid work model, minimal travel, and competitive compensation, this role offers professional growth and work-life balance. Discover a career where your negotiation skills, analytical prowess, and leadership make a real difference in Group Life, Disability, Dental, Vision, Accident, and Supplemental Health products.

Role Description

As a Specialty Market Underwriter Consultant in Bethlehem, United States, you'll independently lead underwriting oversight for Key Markets relationships. Partner holistically with stakeholders to achieve sales, revenue, and earnings goals in the Large Market & Key Markets space. Leverage your experience-based rating and risk assessment background to recommend competitive products, funding arrangements, and services. Influence Guardian's underwriting strategies for industry leadership in PEO and alternative distribution channels. This hybrid role requires three days per week in our Bethlehem, PA office (preferred), Boston, MA, or Holmdel, NJ locations, with two days remote. Qualified remote candidates considered. Minimal travel for finalist and broker meetings.

Detailed Responsibilities

• Improve Sales, Revenue, and Earnings results on Life, Disability, Dental, Vision, Accident, and Supplemental Health products in Large Market & Key Markets.
• Participate in underwriting strategies supporting key growth goals and industry leadership in PEO & alternative distribution.
• Lead underwriting oversight and management for assigned Key Markets relationships, collaborating on partner strategies and stewardship.
• Perform accurate financial analysis of new/renewal business to determine risk classification per company guidelines.
• Recommend competitively priced products, funding, and services; communicate rate development and plan design effectively.
• Apply knowledge of Federal/State legislation related to Group Insurance Products.
• Complete administrative processing using underwriting systems/databases for quotes, sales, renewals.
• Mentor/coach team members, conduct training for sales/underwriting staff, support growth initiatives.
• Support Specialty/Key Partnerships leadership in key result-driving activities.
• Negotiate with sales reps, agents/brokers on rates, discrepancies, and risk concerns.
• Build external relationships via broker visits, connections, and training/education.
• Lead complex work or key projects, handling delegated tasks for overall deliverables.

Required Skills

Guardian seeks candidates with these critical skills:

• Advanced Underwriting Expertise
• Analytical & Decision-Making Skills
• Negotiation & Relationship Management
• Communication & Presentation Skills
• Leadership & Project Management

Education & Experience

• 5+ years of experience with Group Life, Disability, and/or Dental underwriting.
• Background in experience-based rating and risk assessment.
• College degree preferred or equivalent relevant work experience.
• Ability to prioritize multiple tasks and deadlines efficiently.
• Command of underwriting tools and systems.
• Thorough knowledge of Group Insurance products/processes.
• Knowledge of local market competition and strategy.
• Excellent analytical/mathematical skills for complex cases.
• Proven decision-making, problem-solving, negotiation, and conflict resolution.
• Independent worker with strong verbal/written communication and presentation skills.
• Proficient in Word, Excel, PowerPoint.

Leadership Behaviors: Strive for superior products/service, own performance objectives, uphold ethical practices.

Compensation Overview

Salary Range: $86,210 - $141,635 annually. Determined by education, experience, knowledge, and abilities. Additional incentives may apply based on performance.

Benefits

Guardian offers comprehensive benefits including health, dental, vision insurance, 401(k) matching, paid time off, professional development, wellness programs, and more. Enjoy a supportive culture focused on diversity, equity, inclusion, and employee growth.

Apply now to elevate your underwriting career at Guardian Life!