The Senior Group Underwriter performs risk appraisals to maximize revenues while minimizing risks consistent with underwriting guidelines for traditional group life, disability and group worksite life, disability, critical illness, accident, and hospital indemnity products.  The Sr. Group Underwriter will provide accurate and timely evaluation and rating of prospects, new groups, amendments, and renewals and serves as a technical resource to Underwriters and Underwriting Assistants. This is a remote position. 


  • Provide accurate and timely proposals, renewals, plan changes and sold cases through analysis of group’s risk characteristics.
  • Assure premium income adequately reflects the group’s risk and that contracts meet legal and company standards.
  • Serves as a technical resource for the Associate Underwriters and Underwriting Assistants, regarding underwriting policies and procedures.
  • Identifies training needs and provides coaching on day-to-day operations and assignments.
  • Corresponds with inside and outside Marketing/Sales personnel, Actuarial and legal resources, Systems, Billing, Administration, Underwriting and Claims to assess plan changes, extensions of coverage, and benefit changes.
  • Responds to written and verbal inquiries from policyholders, sales personnel, and internal departments, including discussion of in-force policy provisions, claims experience and technical aspects of specific financial arrangements.
  • Monitors rate and benefit changes to ensure timely, accurate, and profitable implementation of amendments.
  • Evaluates appropriateness of alternate funding arrangements including administrative services only (ASO) arrangements.
  • Manages underwriting accounts to ensure retention and profitability.
  • May deliver training sessions to sales and marketing personnel, groups and internal departments on rating structures, financial arrangements, funding, products, contracts and general benefit descriptions.
  • Maintains in-depth knowledge of contract provisions, OCI statues, insurance laws and mandated benefits corresponding to benefits provided.
  • Maintains effective working relationships with MGU’s, Agents, Brokers and Clients. Responds to inquiries in a professional, constructive manner.
  • Develops innovative solutions for completion of special projects as necessary. Works with Project Teams as directed in cooperative and efficient manner.
  • Attends seminars, reads industry publications, and takes industry courses to maintain knowledge of group insurance industry developments.
  • Maintains constructive relationships with reinsurers through professional communication and understanding of reinsurance agreements. Assures compliance with reinsurance underwriting standards and limitations.
  • Performs proper documentation of underwriting files including but not limited to manual rates, rate calculations, phone conversations and any written or verbal agreements.
  • Utilizes in-depth knowledge of formulas, trending, reserving procedures, and claims allocation to create experience exhibits for internal and external clients/customers.


  • High school Diploma or GED, required.
  • Bachelor’s degree preferred in a field related to Math, Statistics, or Insurance Business.
  • Three to five years of experience in group life and disability underwriting required.
  • Requires excellent verbal and written communication skills.
  • Must have thorough understanding of underwriting, including all aspects involved in the development of experience rates.
  • Must be able to effectively work on a team and independently.
  • Candidate must possess superior problem-solving ability, organizational skills, and analytical ability.
  • Working knowledge of Microsoft Word and Microsoft Excel required. 
  • Minimal travel may be required.

Horace Mann’s Worksite Division consists of multiple underwriting carriers that have over forty years of demonstrated success with voluntary benefits and true group life and disability insurance in the public sector, with a particular focus in the education sector furthering the mission to help educators protect what they have today and prepare for a successful tomorrow. Horace Mann’s Worksite Division proudly provides valuable group insurance coverage for over 750,000 educators and other public sector employees across the United States. The Senior Group Underwriter will serve a critical role with Horace Mann’s Worksite Division as we broaden our mission to serve more educators and public sector employees across the country. We’re motivated by serving those that serve our communities and looking for a talented Senior Group Underwriter to join our mission-centric team.




Horace Mann was founded in 1945 by two Springfield, Illinois, teachers who saw a need for quality, affordable auto insurance for teachers. Since then, we’ve broadened our mission to helping all educators protect what they have today and prepare for a successful tomorrow.  And with our broadened mission has come corporate growth:  We serve more than 4,100 school districts nationwide, we’re publicly traded on the New York Stock Exchange (symbol: HMN) and we have more than $12 billion in assets.

We’re motivated by the fact that educators take care of our children’s future, and we believe they deserve someone to look after theirs.  We help educators identify their financial goals and develop plans to achieve them.  This includes insurance to protect what they have today and financial products to help them prepare for their future. Our tailored offerings include special rates and benefits for educators.

EOE/Minorities/Females/Veterans/Disabled. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status

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