As an Underwriter at Sentara Health, you will be responsible for evaluating and managing the risks associated with insuring individuals or businesses. This includes reviewing applications, assessing relevant data, and determining policy terms based on company guidelines. Additionally, you'll work closely with the sales team to finalize rates and develop suitable benefit alternatives.

To become an Underwriter at Sentara Health, you need a bachelor's level degree and must have at least two years of experience in health underwriting. Although no specific certification or licensure is required, preferred experience in prospect rating, renewal rating, and self-funding can give you a competitive edge.

Sentara Health offers a supportive environment for remote Underwriters by providing access to essential resources and tools needed for effective work-from-home execution. The company ensures you have a structured support system, including regular communication and collaboration with your team to foster productivity and connection.

Underwriters at Sentara Health can expect a comprehensive benefits package including medical, dental, and vision plans, paid time off, tuition assistance up to $5,250 per year, adoption and fertility reimbursement, retirement plans with employer match, and opportunities for professional development such as free access to CEUs.

Sentara Health promotes diversity and inclusion by ensuring that its workforce reflects the communities it serves. With a commitment to fostering a welcoming environment, the company encourages diverse perspectives and experiences, creating a workplace where every Underwriter can thrive and contribute positively.

In answering this question, highlight your method for gathering and evaluating data, including financial statements and statistical models. Discuss how you ensure that your risk assessments align with company guidelines while considering both profitability and competitiveness.

When addressing this question, detail your background with various insurance products. Discuss particular types you've underwritten, such as health or life insurance, and elaborate on the unique challenges and considerations for each.

Explain your collaborative approach when working with sales teams, including how you ensure open communication and gather input on market trends and client needs while finalizing rates and benefit options.

Use the STAR method (Situation, Task, Action, Result) to illustrate how you navigated a tough underwriting decision. Highlight your analytical skills and the positive outcomes that resulted from your well-informed choice.

Discuss your commitment to ongoing education and staying informed about the insurance industry. Mention attending workshops, earning CEUs, and following relevant news to ensure your underwriting decisions remain compliant and informed.

Share the techniques you apply to independently verify the information in applications. Talk about the importance of due diligence and the resources you consult, such as databases or credit reports.

Address this by emphasizing your ability to prioritize tasks effectively and use technology to streamline processes without sacrificing thoroughness. Discuss specific tools you use to enhance your efficiency.

Highlight the importance of collaboration in your role, explaining how you work with other departments, like sales and risk management, to share insights and improve overall outcomes for underwriting.

Provide an example of a disagreement you've faced. Explain how you approached the conversation with another colleague, emphasizing your commitment to communication and finding a resolution that benefitted both parties and the company.

Share your passion for contributing to the health insurance industry and making a positive impact on clients' lives. Discuss specific aspects of the Underwriter role at Sentara Health that excite you, such as the chance to work alongside a diverse team and continuous professional growth.