Job Description




Position Overview

The Underwriter possesses comprehensive knowledge of dental and medical underwriting, the marketplace, and the competition as well as familiarity with the underwriting practices of other insurance carriers. Applies and demonstrates appropriate underwriting judgement and rationale in making recommendations and decisions.


Essential Functions

·         Calculate premium rates to meet overall corporate financial and enrollment objectives using rating formulae, underwriting judgement, and other accepted underwriting practices.

·         Produce supporting documentation for the Sales Department including: rate development, illustrations, special reports and exhibits, financial analyses, etc., within established time frames.

·         Prepare settlement calculations for alternate funding arrangements while achieving contractual obligations.

·         Enforce adherence to established underwriting guidelines.

·         Communicate rate and benefit information to Operations Department needed to implement new business accounts and renewals.

·         Assist in the development of new products and pricing methods.

·         Prepare group specific claim and utilization reports.

·         Perform tasks on mid-size accounts including alternative funding arrangements, responding to rate reviews, and completing formal proposal responses.

·         Prepare renewal rate exhibits and new business proposal exhibits.

·         Complete assigned monthly experience-rated renewals and recommend renewal rate action for approval.

·         Assist with special Underwriting and Actuarial projects as needed.




·         Bachelor’s Degree in mathematics, finance, actuarial science

·         Experience in Underwriting or a related profession is preferred



Skills & Knowledge

·         Strong technical knowledge, computer and data analysis skills including advanced Excel

·         Possess solid analytical skills and thoughtful judgement in order to make decisions independently

·         Must be detail-oriented, thorough, and accurate

·         Demonstrate strong verbal and written communication skills

·         Ability to multi-task and demonstrate flexibility while maintaining attention to detail

·         Demonstrate excellent organizational skills

Type: Full-time

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Delta Dental of Rhode Island

Delta Dental of Rhode Island is the state’s leading dental insurer, administering dental benefits for nearly 613,000 members. Headquartered in Providence, we remain a symbol of strength and stability in the local dental insurance arena.

Our strength is evidenced by the fact that 96% of our customers said they were satisfied or very satisfied with our overall performance last year. And, 98% said they were satisfied with the quality of their treatment.

For more than 50 years, Delta Dental has provided affordable dental insurance to employers, individuals and families across the country. As the nation’s largest, most experienced dental benefits carrier, Delta Dental serves more than 73 million Americans with dental coverage. Delta Dental provides dental coverage to more than 139,000 groups nationwide.

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