Underwriter II

Trustmark's mission is to improve wellbeing - for everyone. It is a mission grounded in a belief in equality and born from our caring culture. It is a culture we can only realize by building trust. Trust established by ensuring associates feel respected, valued and heard. At Trustmark, you'll work collaboratively to transform lives and help people, communities and businesses thrive. Flourish in a culture of diversity and inclusion where appreciation, mutual respect and trust are constants, not just for our customers but for ourselves. At Trustmark, we have a commitment to welcoming people, no matter their background, identity or experience, to a workplace where they feel safe being their whole, authentic selves. A workplace made up of diverse, empowered individuals that allows ideas to thrive and enables us to bring the best to our colleagues, clients and communities. About the role Responsible for supporting the underwriting of level funded medical products by reviewing medical applications and questionnaires, claims experience, and related data to evaluate risk and determine appropriate premium rates for new and existing clients. Applies established risk criteria and underwriting guidelines to produce sound, well-documented underwriting decisions. Collaborates closely with underwriting, sales, and operations partners to ensure alignment on case strategy, data quality, and process execution. Communicates and defends underwriting decisions and risk assessments with the sales field, providing clear rationale and supporting analysis to facilitate understanding and client discussions. Key Accountabilities Underwriting Analysis & Pricing Execution - Review applications, claims experience, and supporting data to evaluate risk and determine appropriate premium rates for new business and renewals. Apply established underwriting guidelines and pricing methodologies to produce sound, consistent, and profitable decisions. Case Collaboration & Decision Support - Partner with underwriting, sales, and operations teams to ensure accurate data, alignment on case strategy, and timely execution. Communicate and support underwriting decisions with clear rationale to facilitate internal alignment and effective field engagement. Documentation & File Quality - Prepare and maintain complete, accurate documentation of underwriting analysis, assumptions, and decisions. Ensure files meet quality, audit, and compliance standards Tools, Data & Market Awareness - Maintain familiarity with underwriting tools, medical cost drivers, and internal resources to support accurate risk assessment and pricing. Development & Continuous Improvement - Build underwriting proficiency through ongoing learning, feedback, and application of best practices. Seek opportunities to improve understanding of products, processes, and risk evaluation. Minimum Requirements Bachelor's Degree and/or 2 - 4 years of related experience OR High School Diploma or GED with 4-6 years of related experience. Working knowledge of medical underwriting principles, or the ability to quickly develop proficiency through training and practical application Ability to apply established guidelines to make sound, consistent underwriting decisions Strong analytical and problem-solving skills with attention to detail Effective time management and organizational skills, with the ability to manage multiple priorities in a fast-paced environment Clear written and verbal communication skills, including the ability to explain underwriting decisions and rationale Proficiency in Microsoft Excel and other underwriting systems/tools The compensation range for this role is (based on the corporate location in Lake Forest, Illinois): $62,947.30 - $90,923.65 per year The final salary offer will be determined based on factors such as location, qualifications, experience, skill set, and other relevant factors. This position may also be eligible for bonus. We understand that compensation is an important factor when considering a new opportunity, and we strive to provide a competitive salary within the market. Brand: Trustmark In addition to compensation, we offer a comprehensive benefits package that includes: Health/dental/vision, life insurance, FSA and HSA, 401(k) plan, Employee Assistant Program, Back-up Care for Children, Adults and Elders and many health and wellness initiatives. We also offer a Wellness program that enables employees to participate in health initiatives to reduce their insurance premiums. For questions about compensation and benefits, please speak to the Recruiter if you decide to apply and are selected for an interview. Trustmark is committed to leveraging the talent of a diverse workforce to create great opportunities for our people and our business.  We are an equal opportunity employer, including disability and protected veteran status. Join a passionate and purpose-driven team of colleagues who contribute to Trustmark's mission of helping people increase wellbeing through better health and greater financial security. At Trustmark, you'll work collaboratively to transform lives and help people, communities and businesses thrive. Flourish in a culture where appreciation, mutual respect and trust are constants, not just for our customers but for ourselves. Introduce yourself to our recruiters and we''ll get in touch if there''s a role that seems like a good match. When you join Trustmark, you become part of an organization that makes a positive difference in people's lives. You will play a vital role in delivering on our mission of helping people increase wellbeing through better health and greater financial security. Our customers tell us they simply appreciate the personal attention and knowledgeable service. Others tell us we've changed their lives. At Trustmark, you'll be part of a close-knit team. You'll enjoy abundant opportunities to grow your career. That's why so many of our associates stay at Trustmark and thrive. Trustmark benefits from more than 100 years of experience but pairs that rich history with a palpable sense of optimism, growth and excitement for what's ahead - and beyond. This is a place where associates bring their whole selves to work each day. A place where you can be yourself. Whatever your beyond is, you can achieve it at Trustmark.