Underwriter I

Salary Range: $55,000 - $70,000

Job Posting End Date: June 30, 2025

We’ve Got You Under Our Wing

We are the duck. We develop and empower our people, cultivate relationships, give back to our community, and celebrate every success along the way. We do it all…The Aflac Way.

Aflac, a Fortune 500 company, is an industry leader in voluntary insurance products that pay cash directly to policyholders and one of America's best-known brands. Aflac has been recognized as Fortune’s 50 Best Workplaces for Diversity and as one of World’s Most Ethical Companies by Ethisphere.com.

Our business is about being there for people in need. So, ask yourself, are you the duck? If so, there’s a home, and a flourishing career for you at Aflac.

Work Designation. Depending on your location within the continental US, this role may be hybrid or remote.

• If you live within 50 miles of the Aflac offices located in Columbus, GA or Columbia, SC, this role will be hybrid. This means you will be expected to work in the office for at least 60% of the work week. You will work from your home (within the continental US) for the remaining portion of the work week. Details of this schedule will be discussed with your leadership. 
• If you live more than 50 miles from the Aflac offices located in Columbus, GA or Columbia, SC, this role will be remote. This means you will be expected to work from your home, within the continental US. If the role is remote, there may be occasions that you are requested to come to the office based on business need. Any requests to come to the office would be communicated with you in advance.

What does it take to be successful at Aflac?

•        Acting with Integrity

•        Communicating Effectively

•        Pursuing Self-Development

•        Serving Customers

•        Supporting Change

•        Supporting Organizational Goals

•        Working with Diverse Populations

What does it take to be successful in this role?

•        Knowledge in risk selection principles, medical terminology, and human diseases and disorders as they relate to risk selection

•        Excellent interpersonal, communication, customer service, and telephone customer service skills to effectively interact with Aflac’s customers and associates

•        Strong personal computer skills using Microsoft office software

•        Good comprehension, writing, and grammar skills; strong research, mathematical, and reasoning ability

•        Culturally sensitive and aware

•        Knowledge of Aflac products

•        Knowledge of Aflac systems

•        Microsoft Excel – Intermediate

•        Microsoft Word – Intermediate

•        Microsoft PowerPoint – Intermediate

Education & Experience Required

•        Bachelor's Degree In a related field

•        2 years of related work experience that has provided knowledge of underwriting principles and medical terminology/conditions

Or an equivalent combination of education and experience

Education & Experience Preferred

•        FLMI (The Fellow, Life Management Institute) Program or equivalent training and certification

Principal Duties & Responsibilities

•        Entry level of the professional underwriter career path; under direct supervision appraises, clarifies, and takes action to approve, rate, modify, postpone, or decline applications for insurance within strict guidelines set for the issuance of policies; handles underwriting pend support; orders and reviews all requirements for underwriting; handles IRES files and updates database; reviews and handles reinstatement and addition cases; reviews Claims Payment System for applicable information; reviews and processes requests for additional coverage or changes to existing policies; submits selected items to senior underwriter for review and approval; has an approval authority up to and including $500,000 for all lines of business

•        Communicates underwriting decisions to associates, accounts, applicants and/or internal departments; researches and responds in writing to requests for information about declined applications; researches and responds to customer requests and inquiries; handles Beeline and PBI requests

•        Reviews and decodes confidential medical information; generates coding to be reported to the Medical Information Bureau; assists senior underwriter with special medical studies, reports, and product development initiatives

•        Completes trend analysis and reports findings to management; participates in the training and ongoing education of less experienced specialists; evaluates processes and customer complaints, analyzes root cause and makes recommendations for improvements

•        Serves as an underwriting resource with latitude for independent action or decision-making regarding the day-to-day services provided by the business unit or operational functions and team processes; interprets and applies division and organizational policies and procedures, and recommends changes or enhancements to procedures or processes

•        May provide coaching and mentoring on more complex application files to new team members, and communicates training and performance needs to supervisors and employees; uses various evaluation and feedback methods (checking work, problem time, etc.) to measure and communicate performance status; ensures successful transition of new employees from training to the work environment

•        Performs other related duties as required

Total Rewards

The salary range for this job is $55,000 - $70,000. This range is specific to the job and salary offers consider a wide range of factors that are considered in making compensation decisions, including, but not limited to: education, experience, licensure, certifications, geographic location, and peer compensation. The range has been created in good faith based on information known to Aflac at the time of the posting.

At Aflac, it is not typical for an individual to be hired at or near the top of the range for the role to allow for future and continued salary growth, and compensation decisions are dependent on the circumstances of each case. This salary range does not include any potential incentive pay or benefits, however, such information will be provided separately when appropriate.

In addition to the base salary, we offer an array of benefits to meet your needs including medical, dental, and vision coverage, prescription drug coverage, health care flexible spending, dependent care flexible spending, Aflac supplemental policies (Accident, Cancer, Critical Illness and Hospital Indemnity offered at no costs to employee), 401(k) plans, annual bonuses, and an opportunity to purchase company stock.  On an annual basis, you’ll also be offered 11 paid holidays, up to 20 days PTO to be used for any reason, and, if eligible, state-mandated sick leave (Washington employees accrue 1-hour sick leave for every 40 hours worked) and other leaves of absence, if eligible, when needed to support your physical, financial, and emotional well-being. Aflac complies with all applicable leave laws, including, but not limited to, sick and safe leave, and adoption and parental leave, in all states and localities.