Associate Medical Underwriter

A genuine desire to make a difference in the lives of others is the foundation for everything we do. With a customer-first mindset and an intentional focus on building strong teams, we’ve been able to uphold our legacy of financial stability while investing in new, innovative technologies that support the needs of our customers. Our high-performance culture focused on operational excellence thrives thanks to remarkable people united by compassion and a customer-first commitment. As an Associate Medical Underwriter, you will evaluate evidence of insurability for employee benefit applicants and make risk-based underwriting decisions that balance customer needs with sound risk management. In this role, you will review medical information, apply underwriting guidelines and contract provisions, and partner with internal teams, field representatives, employers, and employees to deliver a positive customer experience. Youll exercise independent judgment, analyze medical and insurance-related information, and contribute to projects that support continuous improvement and team goals.
Review medical evidence and determine insurability for employee benefit applicants.
Apply underwriting guidelines, contract provisions, and regulatory requirements to risk decisions.
Analyze medical histories, exam results, and related documentation to assess risk.
Participate in projects and process improvement initiatives that support team performance and customer experience.
Education:

High school diploma or equivalent required.
Experience: 2+ years of experience in claims, employee benefits, insurance, or a related field required.
Basic understanding of risk analysis and medical underwriting philosophy, and an interest in learning about and analyzing medical information.
Ability to interpret and apply underwriting guidelines, insurance contracts, and applicable regulations.
Strong written and verbal communication skills with a customer-focused approach.
Experience reviewing, analyzing, or interpreting medical information preferred.
Medical underwriting experience preferred.
Customer Focus

: Builds positive relationships and delivers responsive, high-quality service to internal and external customers.
We have built an enduring legacy of stability, financial strength and exceptional customer service through the contributions of the service-oriented people who choose to work at The Standard. A rich benefits package including medical, dental, vision and a 401(k) plan with matching company contributions
An annual incentive bonus plan
Generous paid time off including 11 holidays, 2 wellness days, and 8 volunteer hours annually — PTO increases with tenure
Any award depends on a variety of factors including individual and organizational performance.

The actual compensation for this role will be based on a combination of education and experience, knowledge and skills, position budget, internal equity, and market data.
Standard Insurance Company, The Standard Life Insurance Company of New York, Standard Retirement Services, Inc., StanCorp Mortgage Investors, LLC, StanCorp Investment Advisers, Inc., and American Heritage Life Insurance Company and American Heritage Service Company, marketed as The Standard, are Affirmative Action/Equal Opportunity employers. All qualified applicants will receive consideration for employment without regard to race, religion, color, sex, national origin, gender identity, sexual orientation, age, disability or veteran status or any other condition protected by federal, state or local law. The Standard offers a drug- and alcohol-free work environment where possession, manufacture, transfer, offer, use of or being impaired by an illegal substance while on The Standards property, or in other cases which the company believes might affect operations, safety or reputation of the company is prohibited.