Underwriter; Supplemental Healthcare

Insurance Underwriter - Rate Manuals & Product Pricing

6 Month Contract

The Insurance Underwriter - Rate Manuals & Product Pricing is responsible for developing, reviewing, and maintaining rating methodologies and rate manuals to support accurate, competitive, and profitable insurance products. This role partners closely with actuarial, product, compliance, and underwriting teams to translate pricing strategy and risk appetite into clear, operational rating structures and underwriting guidance.

This position is well-suited for an underwriting professional who enjoys detailed analytical work, documentation, and cross-functional collaboration.

• Develop, review, and maintain rate manuals for assigned lines of business in alignment with underwriting strategy, profitability targets, and risk appetite
• Analyze rating structures, pricing factors, and relativities to support appropriate risk segmentation and pricing accuracy
• Partner with actuarial teams to incorporate loss cost indications, trend analyses, and pricing studies into rate manuals
• Translate complex actuarial and technical concepts into clear, practical guidance for underwriting and operational teams
• Collaborate with product, compliance, and legal stakeholders to ensure pricing methodologies and rate manuals meet regulatory and filing requirements
• Support underwriting guideline development to ensure consistency with pricing and rating frameworks
• Conduct periodic reviews of existing rate manuals to identify opportunities for improvement in accuracy, competitiveness, and efficiency
• Assist with the implementation of rate changes, including documentation, communication, and training
• Monitor portfolio performance and underwriting results relative to pricing assumptions
• Participate in state filing preparation and respond to regulatory inquiries related to rating plans and underwriting rules
• Provide technical guidance to underwriters on rate application, manual interpretation, and exceptions
• Support system configuration and testing to ensure alignment between rate manuals and rating or policy administration systems
• Contribute to pricing and product development initiatives, including enhancements and new product launches
• Prepare reports, presentations, and training materials related to pricing and rating updates

• Bachelor's degree in Risk Management, Insurance, Mathematics, Statistics, Finance, Business, or a related field
• Experience in underwriting, pricing, or product management within the insurance industry
• Hands-on experience working with rate manuals, rating rules, or pricing frameworks strongly preferred
• Strong understanding of underwriting principles, rating concepts, and insurance product structures
• Ability to read, interpret, and develop rate manuals and underwriting guidelines
• Strong analytical skills with the ability to interpret actuarial and performance data
• High attention to detail and accuracy in documentation
• Strong written and verbal communication skills
• Proficiency in Excel and comfort working with data; experience with rating or policy systems is a plus
• Ability to collaborate cross-functionally with actuarial, product, operations, and compliance teams
• Strong organizational skills with the ability to manage multiple priorities

• Detail-oriented and methodical
• Comfortable working in documentation-heavy environments
• Proactive and curious, with a continuous improvement mindset
• Strong sense of ownership and accountability