Job Description

Salary Range: $95,000 - $145,000

Job Posting End Date: December 31, 2025

We’ve Got You Under Our Wing

We are the duck. We develop and empower our people, cultivate relationships, give back to our community, and celebrate every success along the way. We do it all… The Aflac Way .

Aflac, a Fortune 500 company, is an industry leader in voluntary insurance products that pay cash directly to policyholders and one of America's best-known brands. Aflac has been recognized as Fortune’s 50 Best Workplaces for Diversity and as one of World’s Most Ethical Companies by Ethisphere.com.

Our business is about being there for people in need. So, ask yourself, are you the duck? If so, there’s a home, and a flourishing career for you at Aflac.

Work Designation. Depending on your location within the continental US, this role may be hybrid or remote.

• If you live within 50 miles of the Aflac offices located in Columbus, GA or Columbia, SC, this role will be hybrid. This means you will be expected to work in the office for at least 60% of the work week. You will work from your home (within the continental US) for the remaining portion of the work week. Details of this schedule will be discussed with your leadership. 
• If you live more than 50 miles from the Aflac offices located in Columbus, GA or Columbia, SC, this role will be remote. This means you will be expected to work from your home, within the continental US. If the role is remote, there may be occasions that you are requested to come to the office based on business need. Any requests to come to the office would be communicated with you in advance.

What does it take to be successful at Aflac?

• Acting with Integrity
• Communicating Effectively
• Pursuing Self-Development
• Serving Customers
• Supporting Change
• Supporting Organizational Goals
• Working with Diverse Populations

What does it take to be successful in this role?

• Extensive Group Life/Disability underwriting knowledge

• Strong understanding of Group Life and Disability products and services, affiliated systems and applicable operational policies and procedures

• Strong math skills

• Has extensive knowledge of changes to policies, procedures, and governance tools, to ensure processes are up-to-date, reflect new policies and facilitate implementation within own work area

• Strong Microsoft Excel skills

• Expert in experience rating Life, STD, LTD, leave products and analyzing competitor experience data

• Aptitude to prepare and deliver clear, data-driven presentations to Senior Leadership for high impact prospects, which incorporates strategic underwriting analysis

• Demonstrated ability to engage and build relationships with external broker partners and customers, while providing underwriting guidance throughout new business finalist presentations and/or renewal stewardship meetings

Education & Experience Required

• Bachelor's Degree in a related field
• 5 years of financial underwriting experience with Group Life, STD, LTD and Leave products for National Account employer groups exceeding 5,000 covered lives or 8 years of financial underwriting experience with Group Life, STD, LTD, and Leave products, including 3 years of experience for National Account employer groups exceeding 5,000 covered lives

Or an equivalent combination of education and experience

Principal Duties & Responsibilities

• Works closely with distributors and other operational areas to drive achievement of the business plan, leveraging knowledge to impact strategy relating to underwriting expertise, systems, procedures and processes.

• Completes assignments of the highest complexity while working within delegated authority.

• Serves as an expert in all areas of Group Life and Disability underwriting, consulting as needed, driving needed changes or developments to achieve business goals.

• Acts as a role model in providing technical underwriting expertise and guidance to customers and distributors, consistently providing excellent customer service.

• Leads development of business cases for projects to determine potential benefits, clarify the rationale for investment, and support the planning process.

• Contributes to the delivery of underwriting strategy by proactively sharing best practices across territories and functions.

• Creates productive distributor relationships through effective consultation, explaining rating decisions and guiding others to provide the correct evidence and consistently make the correct decisions.

• Completes a range of queries and referrals within agreed authority limits, measuring the exposure & analyzing the risk of each case to maintain underwriting standards.

• Consistently identifies and contributes to the development and improvement of technical underwriting standards, controls, practices and procedures to better meet business goals.

• Consistently identifies and contributes ideas and work for the development of new or enhanced propositions /procedures/philosophy, ensuring we charge the right premium for the associated risk.

• Consistently takes ownership for personal development and acts as a role model contributing to a positive and supportive team culture.

• Drives quality for the team, providing feedback on errors and providing root cause analysis of errors to avoid repeated mistakes; implements change or remedial action where appropriate.

• Actively provides technical consultation, guidance, and recommendations as a subject matter expert in order to support the resolution of the most complex customer cases and develop precedents to maximize customer service.

• Leverages key internal and external stakeholder relationships across the organization in order to ensure technical standards are adhered to and changes are implemented correctly.

• Actively promotes implementation of Life and Disability Insurance Underwriting strategies and business solutions to deliver to the organizations´ goals and expectations.

• Provides assurance that the underwriting business operates effectively by managing the relationships between difference functions and in accordance with agreed rules and frameworks.

• Performs other duties as required.

Total Rewards

The salary range for this job is $95,000 - $145,000. This range is specific to the job and salary offers consider a wide range of factors that are considered in making compensation decisions, including, but not limited to: education, experience, licensure, certifications, geographic location, and peer compensation. The range has been created in good faith based on information known to Aflac at the time of the posting.

At Aflac, it is not typical for an individual to be hired at or near the top of the range for the role to allow for future and continued salary growth, and compensation decisions are dependent on the circumstances of each case. This salary range does not include any potential incentive pay or benefits, however, such information will be provided separately when appropriate.

In addition to the base salary, we offer an array of benefits to meet your needs including medical, dental, and vision coverage, prescription drug coverage, health care flexible spending, dependent care flexible spending, Aflac supplemental policies (Accident, Cancer, Critical Illness and Hospital Indemnity offered at no costs to employee), 401(k) plans, annual bonuses, and an opportunity to purchase company stock. On an annual basis, you’ll also be offered 11 paid holidays, up to 20 days PTO to be used for any reason, and, if eligible, state-mandated sick leave (Washington employees accrue 1-hour sick leave for every 40 hours worked) and other leaves of absence, if eligible, when needed to support your physical, financial, and emotional well-being. Aflac complies with all applicable leave laws, including, but not limited to, sick and safe leave, and adoption and parental leave, in all states and localities.

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