Senior Underwriter

at MetLife in Wilmington, Delaware, United States

Job Description

Job Location: Wilmington DE, Aurora IL, Kansas City MO, Bridgewater NJ, or open to virtual anywhere within the US

Role Value Proposition:

MetLife has the capabilities, resources, and experience to deliver world-class benefits to expatriates. We are uniquely positioned to become the leading global employee benefits provider. We have a strong global footprint in medical, life, and pensions and are investing globally, regionally, and locally to significantly grow our business.

The Senior Underwriter will provide underwriting and pricing approvals for new business and renewals of expatriate benefits products including medical, life, LTD and/or dental.

Key Responsibilities:

+ The Senior Underwriter will provide underwriting and pricing approvals for new business and renewals of expatriate benefit products including medical, life, LTD, and/or dental.

+ Provides pricing, risk and plan design approvals for cases with up to 1,000 lives and provides risk and plan design authority for cases with up to 500 lives that fall outside established guidelines.

+ Provides pricing and plan design authority for cases with a total annualized premium of $750,000 or less.

+ Analyses risk for complex cases by running manual rate calculations or preparing experience rated quotes. Works with sales offices to ensure cases are rated appropriately prior to approval.

+ Underwrites new business quotes by analyzing financial and plan design information to decide whether to accept risk and at what premium level.

+ Analyses the Request for Proposal to offer the most appropriate plan design and for retrieving missing data.

+ Underwrites renewals by reviewing current plan’s premium history, claims history, and company financial condition to determine appropriate renewal action.

+ Prices and offers plan changes, produces experience reports, and responds to broker and customer inquiries.

+ Manages portfolio of mid-level to high-level complexity.

+ Updates databases with quote and sales information to track results.

+ Provides consultative services to sales producers, brokers, and/or customers regarding group insurance plans.

+ Assists in the implementation process by verifying quoted plan design information.

+ Prices plan changes upon request.

+ Meets or exceeds specified metrics for completion of new business quotes and renewals.

+ Conducts training for sales and/or underwriting staff.

+ May participate in project work or on teams to develop or improve underwriting processes.

+ Performs other duties as assigned or required.

Essential Business Experience and Technical Skills:


+ 5+ years of relevant business experience with 1-4+ years of underwriting experience.

+ Strong working knowledge of underwriting policies and procedures, underwriting guidelines and philosophies. Demonstrated strong analytical skills, strong written and oral communication skills.

+ A willingness to take risk with appropriate levels of risk assessment.

+ Ability to work under pressure and meet tight deadlines.

+ Strong customer service skills.

+ High level of organization skill and the ability to prioritize and multi-task.

+ Strong Excel and personal computer skills.


+ Bachelor’s Degree is highly preferred.

+ Group product experience in medical, life, LTD and/or dental is ideal.

Business Category

Group Benefits

Number of Openings


At MetLife, we’re leading the global transformation of an industry we’ve long defined. United in purpose, diverse in perspective, we’re dedicated to making a difference in the lives of our customers.



MetLife, through its subsidiaries and affiliates, is one of the world’s leading financial services companies, providing insurance, annuities, employee benefits and asset management to help its individual and institutional customers navigate their changing world. Founded in 1868, MetLife has operations in more than 40 countries and holds leading market positions in the United States, Japan, Latin America, Asia, Europe and the Middle East.

We are one of the largest institutional investors in the U.S. with $642.4 billion of total assets under management as of March 31, 2021. We are ranked #46 on the Fortune 500 list for 2021. In 2020, we were named to the Dow Jones Sustainability Index (DJSI) for the fifth year in a row. DJSI is a global index to track the leading sustainability-driven companies. We are proud to have been named to Fortune magazine’s 2021 list of the “World’s Most Admired Companies.”

MetLife is committed to building a purpose-driven and inclusive culture that energizes our people. Our employees work every day to help build a more confident future for people around the world.

The wage range for applicants for this position is 54,200 to 91,300. This role is also eligible for annual short-term incentive compensation. MetLife offers a comprehensive benefits program, including healthcare benefits, life insurance, retirement benefits, parental leave, legal plan services and paid time off. All incentives and benefits are subject to the applicable plan terms.

We want to make it simple for all interested and qualified candidates to apply for employment opportunities with MetLife. For further information about how to request a reasonable accommodation, please click on the Disability Accommodations link below.

MetLife is a proud Equal Employment Opportunity and Affirmative Action employer dedicated to attracting, retaining, and developing a diverse and inclusive workforce. All qualified applicants will receive consideration for employment at MetLife without regards to race, color, religion, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity or expression, age, disability, national origin, marital or domestic/civil partnership status, genetic information, citizenship status, uniformed service member or veteran status, or any other characteristic protected by law.

MetLife maintains a drug-free workplace.

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Job Posting: JC224300183

Posted On: Sep 21, 2022

Updated On: Dec 02, 2022