Customer Retention Specialist
Phoenix, AZ job
We are Farmers! We are… more than just your favorite commercials. At Farmers, we strive to deliver peace of mind to our customers by providing protection and comprehensive advice and delivering in the moments of truth. That means having people who can help us meet changing customer and business needs. Farmers high-performance culture is focused on results and the people who achieve them. We hold ourselves and others accountable for sustainably growing the business and each other. We seek solutions, own our actions, and grow through discomfort. We see setbacks as opportunities while continuously asking ourselves how we impact our customers.
Farmers is an award winning, equal opportunity employer, committed to the strength of a diverse workforce. We are dedicated to supporting the well-being of our people through our extensive suite of benefits, as well as the well-being of the communities we serve through employee volunteer programs and nonprofit partnerships. Helping others in their time of need isn't just our business - it's our culture! To learn more about our high-performance culture and open opportunities, check out ********************************* and be sure to follow us on Instagram, LinkedIn, and TikTok.
Workplace: Hybrid ( #LI-Hybrid )
Farmers believes in a culture of collaboration, creativity, and innovation, which thrives when we have the ability to work flexibly in a virtual setting as well as the opportunity to be together in person. Our hybrid work environment combines the best of both worlds with at least three (3) days in office and up to two (2) days virtual for employees who live within fifty (50) miles of a Farmers corporate office. Applicants beyond fifty (50) miles may still be considered.
Job Summary
* Responsible for engaging with external customers to effectively communicate Farmers value proposition, focusing on the policy benefits and conducting thorough policy reviews.
* Assists customers in making informed decisions regarding appropriate coverage options and deductibles for their asset protection needs.
* Dedicated to delivering an exceptional service, ensuring all customer complex inquiries and policy requirements are met.
* Communicates with customers through various channels while adeptly navigating multiple brand systems and platforms to provide comprehensive and complex support. Provides both service and sales support.
* Provides peer support through on-the-job training and knowledge sharing.
* Role is hybrid to Caledonia, MI, Phoenix, AZ, Kansas City, KS or Dayton, OH.
Essential Job Functions
* Explains renewal and other premium changes, educates on policy benefits, and conducts a full policy review.
* Receives and responds to inquiries related to insurance matters that require expert support. Interacts with customers, agents, and others to resolve complex issues regarding policy provisions and conditions.
* Explains premium changes. Quotes, sells, and generates premium.
* Analyze, clarify and resolve complex policy and account related questions from external customers.
* Accesses account information and communicates while working in multiple systems across all brands.
* Uses account information, advanced product knowledge, and knowledge of compliance or legal requirements to make appropriate recommendations.
* Makes decisions about ambiguous situations. Documents customer interactions and outcomes thoroughly in system, including notation and applicable data tracking.
* Resolves issues requiring expert support.
* Actively listens to customer concerns to identify trends or patterns.
* Recognizes opportunities for innovation and process improvement and makes recommendations to leadership.
* Advocates on behalf of the customer. Devises customer-centric solutions for complex insurance issues.
* Leads implementation of process changes. Monitors performance metrics and prepares reports.
* Builds and shares knowledge and acumen through self-directed learning. Stays informed about underwriting and policy guidelines and other updates including compliance and legal requirements.
* Continues to build personal skill set by participating in in-house or outside insurance or industry related courses or seminars as deemed necessary to expand product and system knowledge.
* Stays current with relevant product(s), which includes all specialty lines.
* Champions change initiatives and fosters acceptance and support for these changes within the team.
Physical Actions
* Job is performed in-person at a Farmers office or virtually at an approved alternative work location.
* The physical work environment is indoors and climate-controlled with adequate lighting and ventilation.
* Normal and customary distractions include background noise produced by office equipment and chatter among people, as well as interruptions.
* Frequently sits for prolonged periods of time, up to a full shift.
* Occasionally moves about the workplace including, navigating stairs, ramps, and level or uneven surfaces.
* Occasionally moves, pushes, pulls, lifts, carries, and/or places objects or materials weighing up to 25 pounds without assistance.
* Frequently uses shoulders, arms, hands, and fingers to manipulate equipment, tools, and objects necessary to perform job duties.
* Frequently performs fine motor tasks such as typing, mousing, or writing, up to a full shift.
* Rarely performs movements such as bending, stooping, crouching, kneeling, twisting, and reaching overhead or below the knees.
* Possesses clear vision, with or without correction, to visually read and verify information.
* Relies on depth perception and peripheral vision to navigate the work environment visually by identifying barriers, changes in terrain and locating objects.
* Possesses adequate hearing, with or without correction, to communicate with co-workers, respond promptly to auditory signals or alarms, and discern sounds essential for maintaining safety and productivity in the workplace.
* Jobs in this category require rare, if any, travel.
Education Requirements
* High School Diploma or equivalent required.
* Property and Casualty license required. Candidates must currently hold a Property & Casualty license or be willing to obtain one. Farmers will provide support and resources to help qualified candidates earn their license.
* Ability to be appointed to sell insurance in all states required.
Experience Requirements
* 2 years of experience in insurance or related field required.
* Experience providing advanced customer support within a high-volume, complex environment preferred.
Benefits
* Farmers offers a competitive salary commensurate with experience, qualifications and location.
* o DC/NJ/NY/OH Only: $27.04 - $45.90
* The starting hourly pay for this role is $27.38-$30.29, based on location.
* Bonus Opportunity (based on Company and Individual Performance)
* 401(k)
* Medical
* Dental
* Vision
* Health Savings and Flexible Spending Accounts
* Life Insurance
* Paid Time Off
* Paid Parental Leave
* Tuition Assistance
* For more information, review "What we offer" on https://*********************************/#offer
Job Location(s): US - AZ - Phoenix, US - KS - Kansas City, US - MI - Caledonia, US - OH - Dayton
Anticipated application deadline: At Farmers, the recruitment process is designed to ensure that we find the best talent to join our team. As part of this process, we typically close open positions within 8 to 21 days after posting. If you are interested in any of our open positions, we encourage you to submit your application promptly.
Farmers will consider for employment all qualified applicants, including those with criminal histories, in accordance with the Los Angeles Fair Chance Initiative for Hiring Ordinance or other applicable law. Pursuant to 18 U.S.C. Section 1033, Farmers is prohibited from employing any individual who has been convicted of any criminal felony involving dishonesty or a breach of trust without prior written consent from the state Department of Insurance.
Farmers is an Equal Opportunity Employer and does not discriminate in any employer/employee relations based on race, color, religion, gender, sexual orientation, gender expression, genetic information, national origin, age, disability, marital status, military and veteran's status, or any other basis protected by applicable discrimination laws.
Want to learn more about our culture & opportunities? Check out ********************************* and be sure to follow us on Instagram, LinkedIn, and TikTok.
Director / Senior Director, Healthcare Product Line Leader
Scottsdale, AZ job
What part will you play? If you're looking for a place where you can make a meaningful difference, you've found it. The work we do at Markel gives people the confidence to move forward and seize opportunities, and you'll find your fit amongst our global community of optimists and problem-solvers. We're always pushing each other to go further because we believe that when we realize our potential, we can help others reach theirs.
Join us and play your part in something special!
The purpose of this position is to help lead and implement the strategy for the retail and wholesale healthcare portfolio. Provides leadership, direction and support to regional leaders and underwriter teams to achieve profitable production consistent with underwriting strategies. Is responsible for the oversight of underwriting standards, appetite, pricing and product development to ensure the delivery of a consistent product nationally. Ensures execution of best practices.
Responsibilities
* Assist in portfolio management initiatives to optimize risk selection
* Achieve product line profitability, renewal retention, and new business growth targets
* Maintain technical pricing and underwriting authority
* Manage assigned product lines to reach revenue, profit, loss ratio and expense targets
* Review and approval of accounts beyond delegated authority levels
* Collaborate with actuarial, claims, product developments, IT, operations and regulatory
* Oversee form and endorsement enhancements based on market needs
* Prepare and deliver training to regional underwriting teams
* Provide coaching to staff based on underwriting audit review
* Identify emerging market trends and opportunities for new product offerings
* Work closely with regions and business development to manage broker relationship
Experience / Skill
* Minimum 7 years underwriting experience of healthcare allied / miscellaneous facility accounts
* Minimum 3 years of management experience including handling referrals
* Undergraduate degree required; graduate degree a plus
* Highest level of integrity
* Must be a self-starter, showing initiative and ability to think entrepreneurially
* Demonstratable communication style that conveys energy, enthusiasm, and confidence
* Strong technical knowledge for writing healthcare accounts
* Interpersonal skills with the emphasis on leadership, collaboration and teamwork
* Ability to travel 25%
US Work Authorization
US Work Authorization required. Markel does not provide visa sponsorship for this position, now or in the future.
Pay information:
The base salary offered for the successful candidate will be based on compensable factors such as job-relevant education, job-relevant experience, training, demonstrated competencies, geographic location, and other factors. The base salary range for the Director, Underwriting position is $162,800 - $223,850/year with a 55% bonus potential. The Sr. Director, Underwriting position is $188k - $259k/year with a 55% bonus potential.
Who we are:
Markel Group (NYSE - MKL) a fortune 500 company with over 60 offices in 20+ countries, is a holding company for insurance, reinsurance, specialist advisory and investment operations around the world.
We're all about people | We win together | We strive for better
We enjoy the everyday | We think further
What's in it for you:
In keeping with the values of the Markel Style, we strive to support our employees in living their lives to the fullest at home and at work.
* We offer competitive benefit programs that help meet our diverse and changing environment as well as support our employees' needs at all stages of life.
* All full-time employees have the option to select from multiple health, dental and vision insurance plan options and optional life, disability, and AD&D insurance.
* We also offer a 401(k) with employer match contributions, an Employee Stock Purchase Plan, PTO, corporate holidays and floating holidays, parental leave.
Are you ready to play your part?
Choose 'Apply Now' to fill out our short application, so that we can find out more about you.
Caution: Employment scams
Markel is aware of employment-related scams where scammers will impersonate recruiters by sending fake job offers to those actively seeking employment in order to steal personal information. Frequently, the scammer will reach out to individuals who have posted their resume online. These "job offers" include convincing offer letters and frequently ask for confidential personal information. Therefore, for your safety, please note that:
* All legitimate job postings with Markel will be posted on Markel Careers. No other URL should be trusted for job postings.
* All legitimate communications with Markel recruiters will come from Markel.com email addresses.
We would also ask that you please report any job employment scams related to Markel to ***********************.
Markel is an equal opportunity employer. We do not discriminate or allow discrimination on the basis of any protected characteristic. This includes race; color; sex; religion; creed; national origin or place of birth; ancestry; age; disability; affectional or sexual orientation; gender expression or identity; genetic information, sickle cell trait, or atypical hereditary cellular or blood trait; refusal to submit to genetic tests or make genetic test results available; medical condition; citizenship status; pregnancy, childbirth, or related medical conditions; marital status, civil union status, domestic partnership status, familial status, or family responsibilities; military or veteran status, including unfavorable discharge from military service; personal appearance, height, or weight; matriculation or political affiliation; expunged juvenile records; arrest and court records where prohibited by applicable law; status as a victim of domestic or sexual violence; public assistance status; order of protection status; status as a smoker or nonsmoker; membership or activity in local commissions; the use or nonuse of lawful products off employer premises during non-work hours; declining to attend meetings or participate in communications about religious or political matters; or any other classification protected by applicable law.
Should you require any accommodation through the application process, please send an e-mail to the ***********************.
No agencies please.
Auto-ApplySenior Litigation Counsel
Phoenix, AZ job
This is a remote opportunity that may be located in any of the states listed: CA, WA, OR, CO, NV, ID, UT, AZ or NM. Will require travel within the US based on case assignment. At Liberty Mutual, we're committed to delivering exceptional legal services to our customers around the world, working to uphold and protect our policyholders' rights and positively impacting our business. As an Attorney Manager at Liberty Mutual, you'll join a diverse team that values a healthy work/life balance and enjoy benefits that include eligible performance bonuses, 25 days of flexible time off each year, personal holidays, and a 401(k) plan with matching contributions. If you're looking for a place to build a long-term career while making a positive difference, consider joining our legal team where you'll represent Liberty Mutual and our policyholders in moderately complex civil litigation matters involving claims for monetary damages or compensation for personal injuries or property damage of moderate value.
Liberty Mutual is seeking a highly experienced and strategic Senior Litigation Counsel to serve as Lead Trial Attorney on high-exposure insurance defense cases across multiple jurisdictions. This role is ideal for a seasoned litigator with a proven track record in complex civil litigation, trial advocacy, and strategic legal leadership. You will play a pivotal role in shaping litigation outcomes, mentoring legal talent, and driving innovation in legal practice
Responsibilities:
* Trial Leadership & Litigation Strategy: Serve as Lead Trial Counsel in high-stakes cases with exposure exceeding $250,000 in state and federal courts nationwide. Develop and execute sophisticated litigation strategies tailored to complex legal and jurisdictional issues.
* Client Representation & Advisory: Represent Liberty Mutual and its policyholders in complex civil and workers' compensation litigation. Provide strategic legal counsel to Claims Representatives and insured clients, ensuring alignment with business objectives.
* Technology & Innovation: Leverage advanced litigation technologies, e-discovery tools, and data analytics to enhance case preparation and courtroom performance.
* Mentorship & Training: Mentor junior attorneys and deliver training programs on litigation best practices. Design and deliver training programs for Legal, Claims, and cross-functional teams on litigation best practices.
* Organizational & Budget Management: Manage litigation expenses, trial budgets, and case timelines to ensure high-quality legal representation and cost efficiency.
* Jurisdictional & Analytical Expertise Demonstrate flexibility and adaptability to various jurisdictional rules and court procedures across diverse regions. Apply a deep understanding of insurance policies, coverage issues, liability defenses, damage evaluations, and bad faith claims.
* Communication & Negotiation: Negotiate settlements using advanced techniques such as hi-lo agreements and proposals for settlement.
* Team Leadership & Relationship Management: Lead legal teams and collaborate with experts, paralegals, and claims adjusters. Build collaborative client relationships while managing multiple stakeholders and complex legal issues. Act as a role model in ethical practice and mentor junior attorneys in legal excellence and integrity.
Qualifications
* Juris Doctor (JD) or LLB degree from an accredited law school.
* Admission to the bar in one of the listed states and in good standing; additional licensure for specialized courts or boards may be required.
* Minimum of 10 years of successful trial attorney experience, with a focus on insurance law and complex civil litigation.
* Proven expertise managing high-stakes, complex litigation with substantial exposure.
* Must have trial experience through verdict with high exposure insurance defense cases.
* In-depth knowledge of insurance law, regulatory frameworks, and client business operations.
* Exceptional legal research, writing, negotiation, and analytical skills.
* Proficiency with advanced e-discovery platforms, case management software, and remote collaboration tools.
* Demonstrated leadership and mentorship experience within a legal team.
* Superior communication, interpersonal, and client relationship management skills.
* Strong organizational skills with the ability to manage multiple complex cases concurrently.
* Commitment to ethical legal practice and regulatory compliance.
About Us
Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role.
At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve.
We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: ***********************
Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.
Fair Chance Notices
* California
* Los Angeles Incorporated
* Los Angeles Unincorporated
* Philadelphia
* San Francisco
Auto-ApplyUS Retail Markets Claims Specialist Development Program-(January, June 2026)
Chandler, AZ job
Advance your career at Liberty Mutual - A Fortune 100 Company! Manages, investigates and resolves claims assigned and assists in providing service to policyholders. Responsibilities: * Manages, investigates, and resolves claims. Investigates and evaluates coverage, liability, damages, and settles claims within prescribed authority levels.
* Identifies potential suspicious claims and refers to SIU and identifies opportunities for third party subrogation.
* Communicates with policyholders, witnesses, and claimants in order to gather information regarding claims, refers tasks to auxiliary resources as necessary, and advise as to proper course of action. Responds to various written and telephone inquiries including status reports.
* Ensures adequacy of reserves.
* Accountable for security of financial processing of claims, as well as security information contained in claims files.
* Makes effective use of loss management techniques. Negotiates settlements with attorneys, claimants, and/or co-defendants. Arranges for expert inspections involving third party or potential fraud actions as needed.
* Updates files and provides comprehensive reports as required
Qualifications
Qualifications:
* Strong written and oral communications skills required.
* Good interpersonal, analytical, investigative, and negotiation skills required.
* Customer service experience preferred.
* Basic knowledge of legal liability, general insurance policy coverage and State Tort Law.
* Bachelor's degree is required.
* Ability to obtain proper licensing as required.
About Us
Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role.
At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve.
We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: ***********************
Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.
Fair Chance Notices
* California
* Los Angeles Incorporated
* Los Angeles Unincorporated
* Philadelphia
* San Francisco
Auto-ApplySupport Associate
Scottsdale, AZ job
What part will you play? If you're looking for a place where you can make a meaningful difference, you've found it.
The work we do at Markel gives people the confidence to move forward and seize opportunities, and you'll find your fit amongst our global community of optimists and problem-solvers. We're always pushing each other to go further because we believe that when we realize our potential, we can help others reach theirs. Join us and play your part in something special! As a Support Associate, you'll be an essential member of the underwriting team, helping deliver a seamless experience to our agents, brokers, and internal partners. You'll support underwriters in day-to-day operations, manage workflow, and ensure transactions are processed accurately and efficiently. This role reinforces Markel's commitment to ease of doing business by providing exceptional service and attention to detail.
Job Responsibilities
Serve as a point of contact for agents and brokers by gathering information, responding to inquiries, and resolving routine issues.
Manage daily account servicing and business transactions that do not require underwriter sign-off.
Obtain and track information needed to complete underwriting items, maintaining an organized follow-up system.
Verify accuracy of data entered into systems and ensure required documentation is included in the file.
Partner with underwriters, agents, and internal teams to research and complete transactions efficiently.
Follow established procedures and service standards to maintain compliance and meet turnaround expectations.
Assist in problem-solving and process improvement initiatives to enhance efficiency and accuracy.
Under the direction of an underwriter, attach forms and process requested policy changes.
Build and maintain strong relationships with internal and external stakeholders.
Participate in special projects and other duties to support team and business goals.
Qualifications
High school diploma or equivalent required; associate or bachelor's degree preferred.
1-3 years of related experience in underwriting support, insurance operations, or administrative services preferred.
Working knowledge of insurance terminology and basic underwriting processes.
Proficiency with Microsoft Office Suite and ability to learn new systems quickly.
Excellent attention to detail with strong organizational and time management skills.
Ability to manage multiple priorities in a fast-paced environment.
Strong written and verbal communication skills.
Customer-focused, team-oriented, and adaptable to change.
#LI-Hybrid #piq
US Work Authorization
US Work Authorization required. Markel does not provide visa sponsorship for this position, now or in the future.
Pay information:
The base salary offered for the successful candidate will be based on compensable factors such as job-relevant education, job-relevant experience, training, licensure, demonstrated competencies, geographic location, and other factors. The salary for the position is $25 - $29 per hour with a 5% bonus potential.
Who we are:
Markel Group (NYSE - MKL) a fortune 500 company with over 60 offices in 20+ countries, is a holding company for insurance, reinsurance, specialist advisory and investment operations around the world.
We're all about people | We win together | We strive for better
We enjoy the everyday | We think further
What's in it for you:
In keeping with the values of the Markel Style, we strive to support our employees in living their lives to the fullest at home and at work.
We offer competitive benefit programs that help meet our diverse and changing environment as well as support our employees' needs at all stages of life.
All full-time employees have the option to select from multiple health, dental and vision insurance plan options and optional life, disability, and AD&D insurance.
We also offer a 401(k) with employer match contributions, an Employee Stock Purchase Plan, PTO, corporate holidays and floating holidays, parental leave.
Are you ready to play your part?
Choose ‘Apply Now' to fill out our short application, so that we can find out more about you.
Caution: Employment scams
Markel is aware of employment-related scams where scammers will impersonate recruiters by sending fake job offers to those actively seeking employment in order to steal personal information. Frequently, the scammer will reach out to individuals who have posted their resume online. These "job offers" include convincing offer letters and frequently ask for confidential personal information. Therefore, for your safety, please note that:
All legitimate job postings with Markel will be posted on Markel Careers. No other URL should be trusted for job postings.
All legitimate communications with Markel recruiters will come from Markel.com email addresses.
We would also ask that you please report any job employment scams related to Markel to ***********************.
Markel is an equal opportunity employer. We do not discriminate or allow discrimination on the basis of any protected characteristic. This includes race; color; sex; religion; creed; national origin or place of birth; ancestry; age; disability; affectional or sexual orientation; gender expression or identity; genetic information, sickle cell trait, or atypical hereditary cellular or blood trait; refusal to submit to genetic tests or make genetic test results available; medical condition; citizenship status; pregnancy, childbirth, or related medical conditions; marital status, civil union status, domestic partnership status, familial status, or family responsibilities; military or veteran status, including unfavorable discharge from military service; personal appearance, height, or weight; matriculation or political affiliation; expunged juvenile records; arrest and court records where prohibited by applicable law; status as a victim of domestic or sexual violence; public assistance status; order of protection status; status as a smoker or nonsmoker; membership or activity in local commissions; the use or nonuse of lawful products off employer premises during non-work hours; declining to attend meetings or participate in communications about religious or political matters; or any other classification protected by applicable law.
Should you require any accommodation through the application process, please send an e-mail to the ***********************.
No agencies please.
Auto-ApplySurety Home Office Executive Underwriter
Phoenix, AZ job
Liberty Mutual Surety, a business unit of Liberty Mutual Insurance, is one of the world's largest global Sureties, including in the United States. Conducting business worldwide through fronting relationships and Liberty-owned subsidiaries, we provide bonds in over 60 countries for construction firms, manufacturers and suppliers, and commercial enterprises on an account and transactional basis. We are committed to building mutually profitable relationships by providing smart business solutions, ease of doing business, and consistent, responsive service. Liberty Mutual Surety is dedicated to the communities we serve and highly values a diverse workforce in more than 16 countries.
Responsibilities:
* Underwrites new and existing subdivision account submissions of virtually all sizes and complexities utilizing underwriting authority granted by Chief Underwriting Officer and adhering to required underwriting guidelines. Makes thorough evaluations and assessments of a developer`s financial, technical, organizational, and management capacities, as well as apply a high level of subjective judgment of character, normally based upon data/insights provided by the field organization only. Incorporates expert level of knowledge regarding accounting, legal and organizational/managerial disciplines.
* With field underwriters and/or Bond Managers, meet with clients to facilitate assessments and/or provide direction for topics to be addressed with agents, principals, and others as necessary.
* Partners with field staff to identify, solicit, and contact significant producers in assigned territory under guidance from Bond Manager and more senior home office underwriting staff.
* Monitors, evaluates, and improves existing books of business from an underwriting standpoint as assigned and ensures compliance with Surety guidelines. Continuously evaluates the qualitative characteristics of new and existing business within assigned field offices. Assesses and identifies changes in all aspects of the business including, but not limited to, work program to financial strength criteria, nature of work performed (inherent risk), accuracy and timeliness of data flow, and exposure analyses. Coordinates and/or surfaces issues to manager and/or field Bond Manager. As directed by more senior staff/manager, monitors marketing, underwriting and/or administrative issues within various offices, as assigned. Prepare, recommend, and/or implement instructions for administering workflows and accounting/billing issues to service unique situations.
* Utilizes various applications and data and analyzes statistical and financial reports, claims data, and other financial exhibits/data to ensure the quality of existing and new business. Communicates issues of concern on new and existing business to the applicable field office product line underwriter and/or Bond Manager, as necessary and inputs data on accounts to complete or modify analyses and maintain lines of credit in a current and accurate matter. Pursues resolution of open issues, documents result and adjusts credit parameters extended to specific accounts based upon such facts and findings. Applies sound reason and business logic to credit recommendations, documenting such logic file and communicate credit recommendations to more senior Home Office and Field underwriting staff, as necessary.
* May directly manage and/or provide underwriting support and direction to less experienced underwriting staff/interns.
* As necessary, collaborates with Claims staff to evaluate and/or resolve claim issues and as appropriate, takes immediate action to restrict credit on affected account. Keeps senior underwriting staff/manager informed of claims issues.
* Represents Liberty Mutual Surety with competitors regarding co-Surety matters and attends industry functions (i.e., Regional NASBP conferences, AGC, and trade conventions). May speak as requested at external industry meetings.
* Leads special projects as requested/assigned.
* Train field staff on the art of subdivision underwriting.
* Review indemnity agreements prepared by the field, and account rates, for errors.
* In some parts of the country, underwrite subdivision business directly with Liberty appointed agents.
Qualifications
* Degree in Business or related field typically required
* A minimum of 7 years expected, typically 10 years or more, of progressive surety underwriting experience and/or other related business experience with progressive responsibility desired
* Advanced analytical ability and decision-making skills to evaluate and judge underwriting risks within scope of responsibility
* Demonstrated ability to make and clearly communicate sound underwriting recommendations that includes complex analyses, both verbal and written, and displays strong interpersonal skills in dealing with internal and external stakeholders
* Must demonstrate comprehension of most complex technical underwriting issues and be capable of defining and implementing necessary underwriting and administrative processes/workflows
About Us
Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role.
At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve.
We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: ***********************
Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.
Fair Chance Notices
* California
* Los Angeles Incorporated
* Los Angeles Unincorporated
* Philadelphia
* San Francisco
Auto-ApplyNational Broker Manager, Colonial Life
Phoenix, AZ job
When you join the team at Unum, you become part of an organization committed to helping you thrive. Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life's moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide:
+ Award-winning culture
+ Inclusion and diversity as a priority
+ Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability
+ Generous PTO (including paid time to volunteer!)
+ Up to 9.5% 401(k) employer contribution
+ Mental health support
+ Career advancement opportunities
+ Student loan repayment options
+ Tuition reimbursement
+ Flexible work environments
**_*All the benefits listed above are subject to the terms of their individual Plans_** **.**
And that's just the beginning...
With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you're directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today!
**General Summary:**
General Summary
This National Broker Manager is responsible for leading a team of Regional Broker Managers to drive the growth of broker influenced sales in assigned regions. The individual and their team will partner closely with the regional and territory sales leadership and Colonial Life's agency distribution teams to increase overall broker influenced sales in the region through engagement with targeted broker relationships, increasing effectiveness of independent sales agents, and development of sales marketing strategies. They will also develop strategic plans and cultivate engagement with select national brokerage organizations to deepen partnerships and drive additional sales growth. This role will also aid the Colonial Life leadership team in the ongoing development of Colonial Life's broker distribution growth strategy.
**Principal Duties and Responsibilities**
+ Increase profitable broker influenced sales growth in partnership with the Colonial Life sales organization and home office business partners in both the commercial and public sector markets. Increase the number of new broker influenced accounts in the region.
+ Lead Regional Broker Managers (RBMs) for the assigned region. Train and develop RBMs in to highly effective sales professionals. Accountability for frequent, consistent communication to VPS and TSM business partners regarding the effectiveness of RBM in territory activity and alignment to local market needs.
+ Increase the depth and breadth of broker relationships within the region including driving production from new brokers and increased sales activity with existing broker relationships
+ Personally engage with regional and national practice leaders of select national broker partner organizations. Ensure appropriate distribution alignment between Colonial Life's field organization and national broker partner offices.
+ Create and execute business plans that align with goals of the Regional Vice Presidents of Sales, Territory Sales Managers and the company. Adhere to company's expectation regarding budget and expense management
+ Utilize Colonial Life's overall Value proposition to educate brokers on our expertise in the public sector, commercial, brokerage, and large case markets. Act as a strategic business partner in presentations for potential and existing customers
+ Train and develop the Colonial Life sales hierarchy in the areas of Brokerage, Public Sector and the Colonial Life value proposition.
+ Cultivate strong working relationships with internal and external partners
+ Evaluate potential MAP, Worksite Specialist, Finance Rep, and HO visit requests within assigned region. Work with VPS, Territory Sales Manager and AVP of Broker Market Development to approve or decline requests.
+ Manage and participate in broker meetings, forums, and lunch & learns within assigned region. Create visibility in the market by participating in events, conferences and tradeshows focused on the insurance industry with specific emphasis on the brokerage, national broker and public sector market segments.
+ Engage with the Colonial Life senior leadership team to support the development of Colonial Life's broker market growth strategy.
+ May perform other duties as assigned
**Job Specifications**
+ Bachelor's degree or equivalent experience
+ 8 + years of broker sales/marketing experience
+ Strong ability to effectively communicate, influence, and persuade.
+ Strong problem solving, planning, and strategic thinking.
+ Broad room presence including professionalism and strong presentation skills
+ Strong organizational leadership skills and a proven track record of effectively leading others.
+ Excellent interpersonal and collaboration skills
+ Ability to travel 65% to 75% of the time
\#LI-PO1
~IN1
Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide.
Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.
Fully and partially leveraged roles are paid pursuant to a uniformly applied sales compensation plan. For partially leveraged roles, a starting salary or salary range will be listed in the above . If salary information is not listed in the job description above, compensation is based solely on commissions.
Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans.
Company:
Colonial Life
Sales Consultant Associate - Talent Community
Phoenix, AZ job
When you join the team at Unum, you become part of an organization committed to helping you thrive. Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life's moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide:
* Award-winning culture
* Inclusion and diversity as a priority
* Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability
* Generous PTO (including paid time to volunteer!)
* Up to 9.5% 401(k) employer contribution
* Mental health support
* Career advancement opportunities
* Student loan repayment options
* Tuition reimbursement
* Flexible work environments
* All the benefits listed above are subject to the terms of their individual Plans.
And that's just the beginning…
With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you're directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today!
General Summary:
Join our Sales Consultant Associate Talent Community! Select locations may not have openings currently; however, we are always looking for talented individuals for future opportunities.
The Sales Consultant Associate is in active development to be a marketing and technical expert who represents Unum - educating and motivating other professionals to sell Unum products to their clients in the small case market. The SCA is responsible for building relationships with insurance brokers, agents, and consultants to advise, educate, price, and negotiate the best employee benefit offering for their employer clients. Sales Consultant Associates participate in an extensive development program that includes, among many other components, the assignment of a mentor, participation with an associate group class cohort, and technical/product training.
This position is hired at our small business hub locations: Atlanta, GA - Portland, ME - Washington, DC - Dallas, TX - Phoenix, AZ - Chicago, IL
Principal Duties and Responsibilities
* Effectively learn and understand the Unum business environment to support the acquisition and retention of new customers
* Acquire a broad knowledge of Unum's group and voluntary product portfolio and service offerings and how to position sales solutions to brokers and clients
* Develop and build relationships with brokers in an assigned territory and/or for an assigned product
* Assist in the enrollment process for new and existing customers
* Build a pipeline of opportunities to sell and support the acquisition and retention of new customers in the small case market
* Work with Quote Unum and Underwriting to effectively understand negotiation and business pricing in the small case market
* Build strong broker/distribution partnerships
* Build strong sales team partnerships
* Gain necessary knowledge to educate brokers and clients on key product, statutory and compliance topics pertaining to applicable insurance offerings
* Assist in preparation and presentation of block reviews for top brokers
* During development period, ability to obtain insurance license in states within assigned territory
* May perform other duties as assigned
Job Specifications
* Bachelors degree required
* Excellent interpersonal, collaboration and presentation skills
* Ability to handle multiple, often competing priorities
* Highly energized, motivated self-starter who thrives on a challenge and in a fast-paced environment
* High level of organization, implementation/execution and project management abilities
* Demonstrate a "can-do" spirit, a sense of optimism and excitement, ownership and commitment/loyalty
* Goal and results oriented
* Strong ability to think and implement strategically and tactically
* Strong ability to influence and persuade
* Strong oral and written communication skills as well as problem solving skills
* Ability to work with a team to achieve optimal sales results
* Ability to travel on a limited basis
#LI-LR1
Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide.
Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.
Fully and partially leveraged roles are paid pursuant to a uniformly applied sales compensation plan. For partially leveraged roles, a starting salary or salary range will be listed in the above . If salary information is not listed in the job description above, compensation is based solely on commissions.
Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans.
Company:
Unum
Auto-ApplyFollow-up Senior Program Delivery Professional - In home Health & Wellbeing Assessment (IHWA)
Phoenix, AZ job
**Become a part of our caring community and help us put health first** The IHWA Follow-up Senior Program Delivery Professional provides daily operational support to programs that impact members' lives by promoting preventive health activities. The IHWA Follow-up Senior Program Delivery Professional works on problems of diverse scope and complexity ranging from moderate to substantial.
**Location:** remote or strong preference for hybrid in Waterside Louisville, KY office
The IHWA Follow-up Senior Program Delivery Professional provides daily operational support to the rapidly expanding In-home Health Well-being Assessment (IHWA) PCP Follow-up program that ensures members follow-up with a PCP and complete essential preventive activities (e.g. mammogram, flu vaccine, colonoscopy) which directly supports our members' care management. The operational support includes being initial person for vendor feedback/questions, delivering routine program reporting, reviewing outreach calls to members, and working directly with vendors to improve pilot performance. Beyond the IHWA PCP Follow-up program, the IHWA Follow-up Senior Program Delivery Professional, will support IHWA Care Management Referrals as back-up for daily operations responsible for ensuring members' physical, behavioral SDOH, and urgent needs identified during the IHWA are correctly routed to internal resources for Humana follow-up.
Primary Responsibilities:
+ Provide input and operationalize new follow-up programs
+ Point of contact for vendor initial questions and feedback
+ Develop and maintain KPI program reports
+ Work with internal partners to develop detailed reports
+ Listen and review outreach calls to members
**Use your skills to make an impact**
**Role Essentials**
+ Bachelor's degree
+ 5 or more years of vendor management, program delivery and/or operations experience
+ Experience analyzing data and reports
+ Demonstrated ability to articulate ideas effectively in both written and oral forms
+ Strong relationship building skills
+ Strong knowledge of Microsoft Office XP products (Word & Excel)
**Role Desirables**
+ Master's Degree in Business Administration or a related field
+ PMP certification a plus
+ Stars, Risk Adjustment, or IHWA experience
+ Knowledge and experience in health care environment/managed care
**Additional Information**
To ensure Home or Hybrid Home/Office employees' ability to work effectively, the self-provided internet service of Home or Hybrid Home/Office employees must meet the following criteria:
At minimum, a download speed of 25 Mbps and an upload speed of 10 Mbps is required; wireless, wired cable or DSL connection is suggested.
Satellite, cellular and microwave connection can be used only if approved by leadership.
Employees who live and work from Home in the state of California, Illinois, Montana, or South Dakota will be provided a bi-weekly payment for their internet expense.
Humana will provide Home or Hybrid Home/Office employees with telephone equipment appropriate to meet the business requirements for their position/job.
Work from a dedicated space lacking ongoing interruptions to protect member PHI / HIPAA information.
As part of our hiring process for this opportunity, we will be using an interviewing technology called HireVue to enhance our hiring and decision-making ability. HireVue allows us to quickly connect and gain valuable information from you pertaining to your relevant skills and experience at a time that is best for you.
Humana values personal identity protection. Please be aware that applicants may be asked to provide their Social Security Number, if it is not already on file. When required, an email will be sent from ******************** with instructions on how to add the information into your official application on Humana's secure website.
Travel: While this is a remote position, occasional travel to Humana's offices for training or meetings may be required.
**Scheduled Weekly Hours**
40
**Pay Range**
The compensation range below reflects a good faith estimate of starting base pay for full time (40 hours per week) employment at the time of posting. The pay range may be higher or lower based on geographic location and individual pay will vary based on demonstrated job related skills, knowledge, experience, education, certifications, etc.
$86,300 - $118,700 per year
This job is eligible for a bonus incentive plan. This incentive opportunity is based upon company and/or individual performance.
**Description of Benefits**
Humana, Inc. and its affiliated subsidiaries (collectively, "Humana") offers competitive benefits that support whole-person well-being. Associate benefits are designed to encourage personal wellness and smart healthcare decisions for you and your family while also knowing your life extends outside of work. Among our benefits, Humana provides medical, dental and vision benefits, 401(k) retirement savings plan, time off (including paid time off, company and personal holidays, volunteer time off, paid parental and caregiver leave), short-term and long-term disability, life insurance and many other opportunities.
Application Deadline: 12-25-2025
**About us**
Humana Inc. (NYSE: HUM) is committed to putting health first - for our teammates, our customers and our company. Through our Humana insurance services and CenterWell healthcare services, we make it easier for the millions of people we serve to achieve their best health - delivering the care and service they need, when they need it. These efforts are leading to a better quality of life for people with Medicare, Medicaid, families, individuals, military service personnel, and communities at large.
**Equal Opportunity Employer**
It is the policy of Humana not to discriminate against any employee or applicant for employment because of race, color, religion, sex, sexual orientation, gender identity, national origin, age, marital status, genetic information, disability or protected veteran status. It is also the policy of Humana to take affirmative action, in compliance with Section 503 of the Rehabilitation Act and VEVRAA, to employ and to advance in employment individuals with disability or protected veteran status, and to base all employment decisions only on valid job requirements. This policy shall apply to all employment actions, including but not limited to recruitment, hiring, upgrading, promotion, transfer, demotion, layoff, recall, termination, rates of pay or other forms of compensation and selection for training, including apprenticeship, at all levels of employment.
Humana complies with all applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity or religion. We also provide free language interpreter services. See our ***************************************************************************
Easy ApplyWorkday Solutions Consultant
Phoenix, AZ job
When you join the team at Unum, you become part of an organization committed to helping you thrive. Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life's moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide:
+ Award-winning culture
+ Inclusion and diversity as a priority
+ Performance Based Incentive Plans
+ Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability
+ Generous PTO (including paid time to volunteer!)
+ Up to 9.5% 401(k) employer contribution
+ Mental health support
+ Career advancement opportunities
+ Student loan repayment options
+ Tuition reimbursement
+ Flexible work environments
**_*All the benefits listed above are subject to the terms of their individual Plans_** **.**
And that's just the beginning...
With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you're directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today!
**General Summary:**
This role is responsible for working directly with clients to help them configure their HRIS systems. This role will act as a consultant to customers and be a SME for their respective HRIS system (e.g., Workday). The incumbent will work with internal and external partners and on multiple customers at the same time. The consultant will be an expert in Unum's HR Connect solutions and will bring new platform solutions to the team for future consideration.
**Principal Duties and Responsibilities**
+ Proactively recommend and drive process improvements and innovative solutions to add value to the business and drive more customers to our HRIS Consulting business.
+ Define and configure customer system changes in support of business strategy and process in accordance with a customer's Statement of Work.
+ Partner with functional areas, business partners, business leaders, and cross-functional teams to understand business strategy and process and how technology delivery can change, support, or automate those processes.
+ Manage customer projects that require multiple resources, dependencies, and ensuring objectives are delivered on time and on budget.
+ Lead and drives technology initiatives that span multiple HR Connect platforms
+ Consult with HR Connect Product owners on capabilities of Workday, ServiceNow, or other technologies. Research product roadmaps and how Unum can best leverage functionality to support business goals and objectives.
+ Configure HR information systems across multiple HR disciplines including, absence management, time entry, benefits, service delivery, etc. in support of business strategy and process.
+ Proactively identify process and/or configuration gaps. Recommend, influence, drive and implement opportunities to improve the employee, manager, and HR experience. Drive end user adoption of existing and newly implemented technologies.
+ Influence product direction of key technologies such as Workday, ServiceNow, etc., through active membership and contribution to vendor communities. Develop and build relationships with other customers, product managers and other influencers at Workday, ServiceNow, etc. Represent Unum at events, conferences, and user groups for Workday, ServiceNow, etc.
+ Train customer HR professionals on critical technology functionality, as needed.
+ Manage technical vendor relationships related to implementation projects and/or ongoing support. Negotiate with, influence and drive vendors to support Unum and project delivery.
+ Document business process, job aids, training materials and test plans.
+ Support ongoing upgrades/functionality releases for Workday, ServiceNow, etc. to ensure planning and managing of the continuous delivery of system updates, including updates to supporting material SOPs, job aids and other relevant documentation.
+ Establish and develop relationships with partners throughout the enterprise, including Information Technology, Sales and Client Management, Client Success, Legal, etc. to ensure optimal cross functional system optimization and process design.
+ Provide technical guidance, coaching, and mentorship to new members of the HR Connect onboarding team.
**Job Specifications**
+ Bachelor's degree (Computer Science, Human Resources, or a related field) or equivalent experience.
+ Minimum of 5-6 years of HRIS and business analysis experience.
+ Experience configuring a large global HRIS platform required. Extensive configuration and user support experience in Workday/ServiceNow/ADP/UKG application strongly preferred.
+ Strong knowledge of Workday/ServiceNow/ADP/UKG module integration and downstream, cross-functional impacts.
+ Demonstrated project management skills for medium-large sized projects and the ability to manage multiple assignments simultaneously while meeting deadlines and quality standards.
+ Functional knowledge in key HR competencies including benefits, absence management, payroll, etc.
+ Strong communication skills, both verbal and written, are essential.
+ Strong customer service orientation and skills; ability to thrive in a team environment as a change agent and the ability to work independently is required.
+ Must be comfortable working with a variety of employees ranging from employee to senior executive level.
+ Must have proven track record of successfully proposing, documenting, and implementing improvements to systems and processes in a global environment.
+ Computer skills: Workday/ADP/UKG, ServiceNow, strong experience with Microsoft Office Suite including Word, PowerPoint, Excel, Outlook.
\#LI-JQ1
~IN1
Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide.
Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.
The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience.
$89,400.00-$183,500.00
Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans.
Company:
Colonial Life
Senior Software Engineer (Ruby on Rails & React)
Phoenix, AZ job
Our Fortune 500 company is driving a digital transformation and looking for forward-thinking innovators to disrupt how our industry thinks about and uses technology. As one of the world's leading employee benefits providers, we help millions of people gain affordable access to benefits that help them protect their families, their finances and their futures.
Are you an asker of questions, a solver of problems, and a challenger of the status quo? Our mission is to provide a differentiated customer experience and exceed the expectations people have of technology at any company - not just insurers.
We are seeking individuals to join our team of talented IT professionals who share never-ending passion and an unwavering focus on our customer experience. Team members comfortable working in an agile, fast-paced, and delivery-focused environment thrive in our environment where we value an entrepreneurial spirit and those who challenge the status-quo.
Unum is changing, and we're excited about what's next. Join us.
**General Summary:**
Unum is hiring a Senior Full Stack Software Engineer!
As a key member of our Agile team, you'll drive the design, development, and delivery of innovative, cloud-based solutions that align with enterprise architecture standards. You'll collaborate with Technical Product Owners, Principal Engineers, and business architects to create scalable, high-quality applications.
In this role, you'll work on our Leave Logic product using Ruby on Rails, React, JavaScript, and AWS services, with expertise in PostgreSQL, RDS, EC2, and ElasticSearch. Beyond building exceptional solutions, you'll mentor engineers and help shape the future of our technology and talent.
**Job Specifications**
**Bachelors of Computer Science is preferred, or equivalent relevant business experience**
**Passionate about delivering solutions that excite and delight our customers; holds self to high standards of delivery**
**6+ years' experience in software development and delivery track record in a range or roles in a scrum environment**
+ **Experience with Ruby On Rails, React, (Java Script, AWS, PostgreSQL, RDS, EC2, Elastic Search) is required.**
**Clearly demonstrates analytical ability and critical thinking skills**
**Takes a logical, analytical approach to problem solving and pays close attention to detail**
**Skilled in Agile development/methodologies**
**Self motivated and results oriented; able to motivate others**
**Takes an innovative approach to problem solving**
**Demonstrates excellent oral and written communication skills; experience leading groups of people through discussions, technical or otherwise**
**Strong team player; able to work effectively within a team and more broadly with people from a variety of backgrounds and areas across the organization.**
**Strong experience of test driven development (TDD) and unit testing, leveraging automation toolsets**
**Strong experience in continuous integration**
**Principal Duties and Responsibilities**
+ Leads the design, development, implementation, and maintenance of new and existing features for applications within a business area.
+ Provides technical leadership and direction for EPIC feature delivery.
+ Ensures application solutions meet agreed quality attributes (e.g., performance, fault tolerance, security, scalability).
+ Designs, codes, configures, tests, maintains, and documents software deliverables using established standards and tools.
+ Collaborates with Principal Software Engineers and architects on coding standards, processes, tooling, and frameworks.
+ Completes design of application components aligned with reference architecture.
+ Actively seeks cloud-based, buy-over-build solutions.
+ Ensures product backlog includes appropriate technical stories and participates in prioritization.
+ Mentors Software Engineers and Associate Software Engineers.
+ Owns application solution quality from design through deployment and operations; contributes to software standards.
+ Communicates and collaborates with key stakeholders to ensure successful feature delivery.
+ Maintains technical understanding of third-party/cloud solutions and their implementation.
+ Evaluates technical impacts and coordinates implementation of new product releases.
+ Participates in sizing, estimation, code reviews, and sprint retrospectives; promotes continuous improvement.
+ Focuses on delivering business value and priorities.
+ Ensures quality of features through manual and automated testing and continuous integration.
+ Designs solutions aligned with company architecture and standards; participates in proof-of-concept and prototyping.
+ Collaborates with Business Analysts to clarify requirements and ensure technical feasibility.
+ Works with UX designers to translate designs into efficient solutions.
+ Partners with Test Engineers to meet definition of done and ensure smooth transition through production stages.
+ Contributes to team innovation by suggesting improvements and evaluating new processes/technologies.
+ Supports transition of features to production, ensuring performance, stability, and compliance with release standards.
+ May serve as Scrum Master for an agile team.
+ Automates testing to industry standards for high-quality delivery and efficient regression.
+ Keeps ALM tools updated; participates in daily standups to report progress and impediments.
+ Maintains customer-centric mindset, ensuring solutions enhance user experience.
\#LI-TO1
~IN1
\#LI-MULTI
Our company is built on helping individuals and families, and this starts with our employees. We want employees to maintain a positive balance, which is why we provide access to the benefits and resources they need to invest in themselves. From our onsite fitness facilities and generous paid time off to employee professional development programs, we are committed to helping employees live and work their best - both inside and outside the office.
Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.
The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience.
$89,400.00-$183,500.00
Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans.
Company:
Unum
Strategy Advancement Advisor - Distribution Strategy
Phoenix, AZ job
**Become a part of our caring community and help us put health first** With over 10 million sales interactions annually, Humana understands that while great products are important, it's the quality of our service that truly defines us. We know that when our members and prospects have delightful and memorable experiences, it strengthens their connection with us and enables us to put their Health First. After all, a health services company that has multiple ways to improve the lives of its customers is uniquely positioned to put those customers at the center of everything it does.
The Strategy Advancement Advisor provides data-based strategic direction to identify and address business issues and opportunities. Provides business intelligence and strategic planning support for business segments or the company at large. The Strategy Advancement Advisor works on problems of diverse scope and complexity ranging from moderate to substantial.
**Become a part of our caring community and help us put health first**
The Strategy Advisor (Distribution) provides data-based strategic direction to identify and address business issues and opportunities. Provides business intelligence and strategic planning support for the Enterprise Growth vertical. The Strategy Advisor's work involves complex assignments performed without direction where the analysis of situations or data requires an in-depth evaluation of variable factors. This work may require leading end-to-end strategy engagements.
As part of the Strategy Advancement team, this role will support MarketPoint's investment rationalization and strategic planning efforts. The role requires comfort with ambiguity and creating new solutions in the "white space" where answers are not clear cut or readily available. A successful candidate will be someone who has worked for several years in large matrixed organization (e.g. a publicly traded corporation or large not profit organization) or has several years' experience with stakeholder management (strategy/operations at a top-tier consulting/professional services firm). They will have a demonstrated ability to synthesize large amounts of information into clear and concise outputs (PPT, Excel). This person must be comfortable working collaboratively with senior leaders and subject matter experts alike and should have a high degree of executive presence leading engagements with these stakeholders. This person also will be effective at multitasking and possess keen program and change management skills to balance an evolving set of priorities and deadlines. Healthcare experience is a plus, but not required, though must have a history of mastering an understanding of their prior industry.
Other examples of the kind of work required from this role include leading the analysis of complex business problems and issues using data from internal and external sources. The candidate should bring expertise or identify subject matter experts in support of multi-functional efforts to identify, interpret, and produce strategic recommendations and plans. The candidate's work will substantially shape the thinking of distribution org. They will exercise independent judgment and decision making on complex issues to determine the best course of action and work under minimal supervision.
**Use your skills to make an impact**
About the team: Humana's distribution organization, MarketPoint, plays a key part in driving Humana's long-term vision to achieve leading growth in Medicare and individual products. The MarketPoint strategy team was created to help transform Humana's customer acquisition approach. The team functions with a mandate to think creatively, discover new opportunities and re-envision operations to drive growth and deliver a first-class experience to our members and agents.
**Responsibilities:**
+ Leads multiple short- and long-term work streams sometimes across engagements, including hypothesis development, working sessions, and report-outs with leaders across the company, and documenting key ideas and actions to drive follow-up actions
+ Partners closely with finance, analytics, and operators to optimize, track, and report out on internal and external compensation strategy and results
+ Develop high-quality analysis and deliverables that clearly frame organizational objectives, issues/challenges, and articulate compelling, insightful findings, conclusions, and recommendations
+ Lead multiple cross functional investment sizing workstreams and provide high-level support for senior leaders to make informed decisions
+ Identify new growth avenues of opportunity through independent analysis and presents actionable findings
+ Lead key portions of presentations at high-visibility meetings
+ Assist MarketPoint leadership in communicating value and impact of MarketPoint initiatives to broader Humana organization
+ Coach junior team members to develop technical and professional skillsets
**Use your skills to make an impact**
**Required Qualifications**
+ Bachelor's degree
+ **3+ years** of progressive experience consulting in finance, strategic planning, or related roles.
+ Proven track record in **building compensation models** and **incentive design frameworks** .
+ Advanced proficiency in **financial modeling and Excel**
+ Demonstrated experience **managing large, complex budgets** and guiding senior leadership through **trade-off decisions** .
+ Strong background in **business case development** , including **value sizing** , ROI analysis, and scenario modeling.
+ Ability to influence and partner with senior executives to drive strategic decisions.
+ Exceptional analytical and problem-solving skills with a focus on **data-driven decision-making** .
+ Strong communication skills to present complex financial concepts clearly to non-financial stakeholders.
**Preferred Qualifications**
+ Healthcare industry experience, preferably in the managed care or provider sector
+ Experience in **compensation strategy** within large organizations.
+ Exposure to **enterprise-level budgeting and resource allocation** .
**Additional Information**
**- Position does have the potential for up to 5% travel.**
**- Position will be working Eastern (EST) hours.**
**Virtual Pre-Screen**
As part of our hiring process for this opportunity, we will be using an exciting interviewing technology called HireVue to enhance our hiring and decision-making ability. HireVue allows us to quickly connect and gain valuable information from you pertaining to your relevant skills and experience at a time that is best for your schedule.
If you are selected for a first round interview, you will receive an email correspondence (please be sure to check your spam or junk folders often to ensure communication isn't missed) inviting you to participate in a HireVue interview. In this interview, you will listen to a set of interview questions over your phone or text and you will provide recorded responses to each question. You should anticipate this interview to take about 15 to 30 minutes. Your recorded interview will be reviewed and you will subsequently be informed if you will be moving forward to next round of interviews.
Alert: Humana values personal identity protection. Please be aware that applicants selected for leader review may be asked to provide their social security number, if it is not already on file. When required, an email will be sent from ******************** with instructions on how to add the information into your official application on Humana's secure website.
**Work-At-Home Requirements**
At minimum, a download speed of 25 mbps and an upload speed of 10 mbps is recommended; wireless, wired cable or DSL connection is suggested Satellite, cellular and microwave connection can be used only if approved by leadership Associates who live and work from Home in the state of California, Illinois, Montana, or South Dakota will be provided a bi-weekly payment for their internet expense. Humana will provide Home or Hybrid Home/Office associates with telephone equipment appropriate to meet the business requirements for their position/job. Work from a dedicated space lacking ongoing interruptions to protect member PHI / HIPAA information
Any Humana associate who speaks with a member in a language other than English must take a language proficiency assessment, provided by an outside vendor, to ensure competency. Applicants will be required to take the Interagency Language Rating (ILR) test as provided by the Federal Government.
Travel: While this is a remote position, occasional travel to Humana's offices for training or meetings may be required.
**Scheduled Weekly Hours**
40
**Pay Range**
The compensation range below reflects a good faith estimate of starting base pay for full time (40 hours per week) employment at the time of posting. The pay range may be higher or lower based on geographic location and individual pay will vary based on demonstrated job related skills, knowledge, experience, education, certifications, etc.
$115,200 - $158,400 per year
This job is eligible for a bonus incentive plan. This incentive opportunity is based upon company and/or individual performance.
**Description of Benefits**
Humana, Inc. and its affiliated subsidiaries (collectively, "Humana") offers competitive benefits that support whole-person well-being. Associate benefits are designed to encourage personal wellness and smart healthcare decisions for you and your family while also knowing your life extends outside of work. Among our benefits, Humana provides medical, dental and vision benefits, 401(k) retirement savings plan, time off (including paid time off, company and personal holidays, volunteer time off, paid parental and caregiver leave), short-term and long-term disability, life insurance and many other opportunities.
Application Deadline: 12-28-2025
**About us**
Humana Inc. (NYSE: HUM) is committed to putting health first - for our teammates, our customers and our company. Through our Humana insurance services and CenterWell healthcare services, we make it easier for the millions of people we serve to achieve their best health - delivering the care and service they need, when they need it. These efforts are leading to a better quality of life for people with Medicare, Medicaid, families, individuals, military service personnel, and communities at large.
**Equal Opportunity Employer**
It is the policy of Humana not to discriminate against any employee or applicant for employment because of race, color, religion, sex, sexual orientation, gender identity, national origin, age, marital status, genetic information, disability or protected veteran status. It is also the policy of Humana to take affirmative action, in compliance with Section 503 of the Rehabilitation Act and VEVRAA, to employ and to advance in employment individuals with disability or protected veteran status, and to base all employment decisions only on valid job requirements. This policy shall apply to all employment actions, including but not limited to recruitment, hiring, upgrading, promotion, transfer, demotion, layoff, recall, termination, rates of pay or other forms of compensation and selection for training, including apprenticeship, at all levels of employment.
Humana complies with all applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity or religion. We also provide free language interpreter services. See our ***************************************************************************
Easy ApplyMedical Case Manager
Scottsdale, AZ job
AmTrust Financial Services, a fast growing commercial insurance company, has a need for a Telephonic Medical Case Manager, RN.
PRIMARY PURPOSE: To provide comprehensive quality telephonic case management to proactively drive a medically appropriate return to work through engagement with the injured employee, provider and employer. Our nurses will be empathetic informative medical resources for our injured employees and they will partner with our adjusters to develop a personalized holistic approach for each claim. These responsibilities may include utilization review, pharmacy oversight and care coordination.
Responsibilities
Uses clinical/nursing skills to determine whether all aspects of a patient's care, at every level, are medically necessary and appropriately delivered.
Perform Utilization Review activities prospectively, concurrently or retrospectively in accordance with the appropriate jurisdictional guidelines.
Sends letters as needed to prescribing physician(s) and refers to physician advisor as necessary
Responsible for accurate comprehensive documentation of case management activities in case management system.
Uses clinical/nursing skills to help coordinate the individual's treatment program while maximizing quality and cost-effectiveness of care including direction of care to preferred provider networks where applicable.
Addresses need for job description and appropriately discusses with employer, injured employee and/or provider. Works with employers on modifications to job duties based on medical limitations and the employee's functional assessment.
Responsible for helping to ensure injured employees receive appropriate level and intensity of care through use of medical and disability duration guidelines, directly related to the compensable injury and/or assist adjusters in managing medical treatment to drive resolution.
Communicates effectively with claims adjuster, client, vendor, supervisor and other parties as needed to coordinate appropriate medical care and return to work.
Performs clinical assessment via information in medical/pharmacy reports and case files; assesses client's situation to include psychosocial needs, cultural implications and support systems in place
Objectively and critically assesses all information related to the current treatment plan to identify barriers, clarify or determine realistic goals and objectives, and seek potential alternatives.
Partners with the adjuster to develop medical resolution strategies to achieve maximal medical improvement or the appropriate outcome
Evaluate and update treatment and return to work plans within established protocols throughout the life of the claim.
Engage specialty resources as needed to achieve optimal resolution (behavioral health program, physician advisor, peer reviews, medical director).
Partner with adjuster to provide input on medical treatment and recovery time to assist in evaluating appropriate claim reserves
Maintains client's privacy and confidentiality; promotes client safety and advocacy; and adheres to ethical, legal, accreditation and regulatory standards.
May assist in training/orientation of new staff as requested
Other duties may be assigned.
Supports the organization's quality program(s).
Qualifications
Education & Licensing
Active unrestricted RN license in California is required. Arizona is preferred
Bachelor's degree in nursing (BSN) from accredited college or university or equivalent work experience preferred.
Certification in case management, pharmacy, rehabilitation nursing or a related specialty is highly preferred.
Ability to acquire, and maintain, appropriate Professional Certifications and Licenses to comply with respective state laws may be required
Preferred for license(s) to be obtained within three - six months of starting the job.
Written and verbal fluency in Spanish and English preferred
Experience
Five (5) years of related experience or equivalent combination of education and experience required to include two (2) years of direct clinical care OR two (2) years of case management/utilization management required.
Skills & Knowledge:
Knowledge of workers' compensation laws and regulations
Knowledge of case management practice
Knowledge of the nature and extent of injuries, periods of disability, and treatment needed
Knowledge of URAC standards, ODG, Utilization review, state workers compensation guidelines
Knowledge of pharmaceuticals to treat pain, pain management process, drug rehabilitation
Knowledge of behavioral health
Excellent oral and written communication, including presentation skills
PC literate, including Microsoft Office products
Leadership/management/motivational skills
Analytic and interpretive skills
Strong organizational skills
Excellent interpersonal and negotiation skills
Ability to work in a team environment
Ability to meet or exceed Performance Competencies
WORK ENVIRONMENT
When applicable and appropriate, consideration will be given to reasonable accommodations.
Mental: Clear and conceptual thinking ability; excellent judgment, troubleshooting, problem solving, analysis, and discretion; ability to handle work-related stress; ability to handle multiple priorities simultaneously; and ability to meet deadlines
Physical: Computer keyboarding
Auditory/Visual: Hearing, vision and talking
The expected salary range for this role is $70,300-$91,000.00.
Please note that the salary information shown above is a general guideline only. Salaries are based upon a wide range of factors considered in making the compensation decision, including, but not limited to, candidate skills, experience, education and training, the scope and responsibilities of the role, as well as market and business considerations.
#LI-GH1
#LI-HYBRID
What We Offer
AmTrust Financial Services offers a competitive compensation package and excellent career advancement opportunities. Our benefits include: Medical & Dental Plans, Life Insurance, including eligible spouses & children, Health Care Flexible Spending, Dependent Care, 401k Savings Plans, Paid Time Off.
AmTrust strives to create a diverse and inclusive culture where thoughts and ideas of all employees are appreciated and respected. This concept encompasses but is not limited to human differences with regard to race, ethnicity, gender, sexual orientation, culture, religion or disabilities.
AmTrust values excellence and recognizes that by embracing the diverse backgrounds, skills, and perspectives of its workforce, it will sustain a competitive advantage and remain an employer of choice. Diversity is a business imperative, enabling us to attract, retain and develop the best talent available. We see diversity as more than just policies and practices. It is an integral part of who we are as a company, how we operate and how we see our future.
Not ready to apply? Connect with us for general consideration.
Auto-ApplyAccount Specialist/Sr. Account Specialist (Underwriter/Sr.), Inland Marine
Scottsdale, AZ job
What part will you play? If you're looking for a place where you can make a meaningful difference, you've found it. The work we do at Markel gives people the confidence to move forward and seize opportunities, and you'll find your fit amongst our global community of optimists and problem-solvers. We're always pushing each other to go further because we believe that when we realize our potential, we can help others reach theirs.
Join us and play your part in something special!
The primary purpose of this position is to underwrite new business and renewals in a profitable manner and according to authority level and established guidelines, and participate in special projects having an impact on the business. Assigned larger and more important agents/brokers. Utilize underwriting tools to determine accurate classifications, rates, and premium charges. Understand state laws, including cancellation and non-renewal, within assigned territory to properly transact business within each state. Knowledgeable in coverage forms and policy language; appropriate utilization of forms and exclusions. Assist with resolving premium audit disputes within assigned agents/brokers. Able to provide coaching to others.
What you'll be doing:
* Profitably underwrite existing wholesale and retail inland marine business and new business to include reviewing, analyzing, accepting, and declining risks;
* Proactively communicate with regional managers and national inland marine product line leaders on individual accounts, current and proposed producers;
* Inform business decisions by making recommendations concerning operations, systems and procedures;
* Review submissions and identify exposure and risk from information provided;
* Review terms, conditions and pricing;
* Implement corrective measures on renewal accounts as needed;
* Provide training or technical assistance to department underwriting staff;
* Monitor producers for profitability and production.
What we're looking for:
* Four-year college degree preferred;
* Minimum of 3 years current dual distribution (wholesale and retail) inland marine experience;
* Demonstrated technical knowledge and skills reflective of progression of positions of increasing responsibility;
* Experience in the wholesale channel with established producer relationships;
* Demonstrated marketing and relationship building skills;
* Excellent oral and written communication skills;
* Strong analytical and organizational skills;
* Team player that enjoys a flexible and spontaneous business environment;
* Up to 25% travel in the West US.
#LI-Hybrid
#LI-AB
US Work Authorization
US Work Authorization required. Markel does not provide visa sponsorship for this position, now or in the future.
Pay information:
The base salary offered for the successful candidate will be based on compensable factors such as job-relevant education, job-relevant experience, training, demonstrated competencies, geographic location, and other factors. The base salary range for the Account Specialist is $74k - $102k with a 20% bonus, the Sr. Account Specialist position is $104k - $143k/year with a 25% bonus potential.
Who we are:
Markel Group (NYSE - MKL) a fortune 500 company with over 60 offices in 20+ countries, is a holding company for insurance, reinsurance, specialist advisory and investment operations around the world.
We're all about people | We win together | We strive for better
We enjoy the everyday | We think further
What's in it for you:
In keeping with the values of the Markel Style, we strive to support our employees in living their lives to the fullest at home and at work.
* We offer competitive benefit programs that help meet our diverse and changing environment as well as support our employees' needs at all stages of life.
* All full-time employees have the option to select from multiple health, dental and vision insurance plan options and optional life, disability, and AD&D insurance.
* We also offer a 401(k) with employer match contributions, an Employee Stock Purchase Plan, PTO, corporate holidays and floating holidays, parental leave.
Are you ready to play your part?
Choose 'Apply Now' to fill out our short application, so that we can find out more about you.
Caution: Employment scams
Markel is aware of employment-related scams where scammers will impersonate recruiters by sending fake job offers to those actively seeking employment in order to steal personal information. Frequently, the scammer will reach out to individuals who have posted their resume online. These "job offers" include convincing offer letters and frequently ask for confidential personal information. Therefore, for your safety, please note that:
* All legitimate job postings with Markel will be posted on Markel Careers. No other URL should be trusted for job postings.
* All legitimate communications with Markel recruiters will come from Markel.com email addresses.
We would also ask that you please report any job employment scams related to Markel to ***********************.
Markel is an equal opportunity employer. We do not discriminate or allow discrimination on the basis of any protected characteristic. This includes race; color; sex; religion; creed; national origin or place of birth; ancestry; age; disability; affectional or sexual orientation; gender expression or identity; genetic information, sickle cell trait, or atypical hereditary cellular or blood trait; refusal to submit to genetic tests or make genetic test results available; medical condition; citizenship status; pregnancy, childbirth, or related medical conditions; marital status, civil union status, domestic partnership status, familial status, or family responsibilities; military or veteran status, including unfavorable discharge from military service; personal appearance, height, or weight; matriculation or political affiliation; expunged juvenile records; arrest and court records where prohibited by applicable law; status as a victim of domestic or sexual violence; public assistance status; order of protection status; status as a smoker or nonsmoker; membership or activity in local commissions; the use or nonuse of lawful products off employer premises during non-work hours; declining to attend meetings or participate in communications about religious or political matters; or any other classification protected by applicable law.
Should you require any accommodation through the application process, please send an e-mail to the ***********************.
No agencies please.
Auto-ApplyBilingual Customer Benefit Advisor I
Phoenix, AZ job
When you join the team at Unum, you become part of an organization committed to helping you thrive. Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life's moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide:
+ Award-winning culture
+ Inclusion and diversity as a priority
+ Performance Based Incentive Plans
+ Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability
+ Generous PTO (including paid time to volunteer!)
+ Up to 9.5% 401(k) employer contribution
+ Mental health support
+ Career advancement opportunities
+ Student loan repayment options
+ Tuition reimbursement
+ Flexible work environments
**_*All the benefits listed above are subject to the terms of their individual Plans_** **.**
And that's just the beginning...
With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you're directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today!
**General Summary:**
Minimum starting hourly rate is $22.00
The Customer Benefit Advisor (CBA) I is the entry level in a three-level career path. A CBA I is a critical first point of contact for our customers.
To be successful in this role, the incumbent is responsible for demonstrating exceptional customer service for business serviced by Unum/Colonial Life. It is critical to provide accurate information on benefits, claims, and or policy administration with minimal operational oversight. Incumbents in this role will be tasked with compiling information for multiple product types, from multiple systems, and providing responses to customers that are thorough, clear, and concise. All work is carefully performed according to established protocols/procedures.
In this role, incumbents must demonstrate a willingness to provide strong customer service - providing accurate information to customers, expressing appropriate empathy, and resolving customer issues where appropriate. This position requires the use of multiple system applications and administrative processes. While service is focused on our external customers, this position is responsible for creating detailed/appropriate documentation for our internal cross-functional business partners.
In addition to providing excellent customer service in accordance with established standards, incumbents will need to demonstrate proficiency in individual metrics (i.e. accuracy, post-interaction surveys, average handle time, after call work, schedule adherence, etc.) that are in line with pre-set expectations and drive results for the Customer Contact Center.
**Principal Duties and Responsibilities**
+ Be the customers' first line of sight (advisor) by being available to assist via multiple avenues of communication with timely and accurate information regarding policy and coverage-related questions.
+ Meet or exceed company goals and metrics to guarantee the best experience for customers.
+ Be open and motivated by feedback and guidance to be at your best for customers.
+ Protect customers' privacy (both internal and external) and reassure them with empathy and professionalism.
+ Be available to work a regularly assigned shift between the hours of 8:00 am and 8:00 pm Eastern time Monday-Friday.
+ Reliable attendance in accordance with contact center attendance guidelines.
+ Successfully complete all required training and associated support periods.
+ Ability to obtain information from multiple systems and relay to customers in a seamless manner.
+ Follow all documented processes/workflow to enhance customer service and reduce customer effort/operating efficiency.
+ Utilize resources and tools to accurately respond to customer inquiries.
+ Demonstrate a passion for the values outlined in value statements.
+ May perform other duties as assigned.
**Job Specifications**
+ 1 year customer service experience preferred, with a strong preference that the experience be in the insurance/healthcare/medical/financial field or equivalent area.
+ Highschool diploma or GED required.
+ Successful completion of Contact Center training program, including demonstrating phone proficiency and passing required knowledge checks.
+ A passion for helping customers and exceeding their expectations with high integrity.
+ Answering customer inquiries, translating documents and acting as an interpreter for English and Spanish languages.
+ Excellent verbal and written communication skills with the ability to flex your communication style to best meet the needs of customers, both in English and Spanish.
+ Enthusiasm for working in a fast-paced, structured environment, answering numerous inquiries for customers at their greatest time of need.
+ Strong computer and multi-tasking skills as well as the ability to confidently work in multiple systems with dual monitors.
+ Familiarity with Microsoft applications such as Outlook, Word, and Excel.
+ Intellectual curiosity and a desire to continually learn and grow.
+ An excellent work ethic and ability to adapt and work successfully in a continually changing environment.
+ Dependability - being available when needed by teammates and customers.
+ Comfortable with video communications via MS Teams throughout the day to communicate with teammates and leadership face to (virtual) face.
+ Must meet attendance requirements and in office expectations when applicable.
~IN3
\#LI-LM2022
Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide.
Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.
The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience.
$36,000.00-$62,400.00
Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans.
Company:
Unum
Personal Lines - Underwriting Trainee June 2026
Gilbert, AZ job
Make a difference with a career in insurance At The Cincinnati Insurance Companies, we put people first and apply the Golden Rule to our daily operations. To put this into action, we're looking for extraordinary people to join our talented team. Our service-oriented, ethical, knowledgeable, caring associates are the heart of our vision to be the best company serving independent agents. We help protect families and businesses as they work to prevent or recover from a loss. Share your talents to help us reach for continued success as we bring value to the communities we serve and demonstrate that Actions Speak Louder in Person.
If you're ready to build productive relationships, collaborate within a diverse team, embrace challenges and develop your skills, then Cincinnati may be the place for you. We offer career opportunities where you can contribute and grow.
Start your journey with us
The Cincinnati Insurance Companies are currently seeking candidates for a Personal Lines underwriting trainee.
Starting Range of Pay: The pay rate for this position is $33.17 hourly. The hourly pay rate will convert to $69,000 annually upon successful completion of training. Eligible associates may also receive an annual cash bonus and stock incentives based on company and individual performance.
Be ready to:
After completing training, underwriters provide underwriting support and service to agencies in an assigned territory and contribute to our company's profitability by:
* consulting agencies with sound advice and decisions that will lead to profit and growth for the agencies and company
* managing territories toward successful results including profitability, growth and new business
* developing relationships with agencies, field associates and home office associates to foster a collaborative team approach to agency success
Be equipped with:
* an enthusiasm for learning and applying knowledge
* strong negotiation skills
* relationship-building and effective listening skills
* a business-minded approach and an interest in seeing work contribute to corporate success
* strong analytical, problem-solving and decision-making skills
* detail-oriented skills
* organizational skills and a devotion to effectively managing time to maximize progress
* ability to thrive in a fast-paced environment
* ability to develop positive relationships with agency personnel and field associates
You've earned:
* a bachelor's degree
* or have four or more years of insurance-related work experience and have earned an Associate in General Insurance (AINS) designation
Enhance your talents
Providing outstanding service and developing strong relationships with our independent agents are hallmarks of our company. Whether you have experience from another carrier or you're new to the insurance industry, we promote a lifelong learning approach. Cincinnati provides you with the tools and training to be successful and to become a trusted, respected insurance professional - all while enjoying a meaningful career.
Enjoy Benefits and Amenities
our commitment to providing strong service, sharing best practices and creating solutions that impact lives is appreciated. To increase the well-being and satisfaction of our associates, we offer a variety of benefits and amenities. Learn more about our benefits and amenities packages.
Embrace a diverse team
As a relationship-based organization, we welcome and value a diverse workforce. We grant equal employment opportunity to all qualified persons without regard to race; creed; color; sex, including sexual orientation; religion; national origin; age; disability; or any other basis prohibited by law. Learn more about the Federal Employment Notices.
Surety Home Office Executive Underwriter
Phoenix, AZ job
Liberty Mutual Surety, a business unit of Liberty Mutual Insurance, is one of the world's largest global Sureties, including in the United States. Conducting business worldwide through fronting relationships and Liberty-owned subsidiaries, we provide bonds in over 60 countries for construction firms, manufacturers and suppliers, and commercial enterprises on an account and transactional basis. We are committed to building mutually profitable relationships by providing smart business solutions, ease of doing business, and consistent, responsive service. Liberty Mutual Surety is dedicated to the communities we serve and highly values a diverse workforce in more than 16 countries.
Responsibilities:
Underwrites new and existing subdivision account submissions of virtually all sizes and complexities utilizing underwriting authority granted by Chief Underwriting Officer and adhering to required underwriting guidelines. Makes thorough evaluations and assessments of a developer`s financial, technical, organizational, and management capacities, as well as apply a high level of subjective judgment of character, normally based upon data/insights provided by the field organization only. Incorporates expert level of knowledge regarding accounting, legal and organizational/managerial disciplines.
With field underwriters and/or Bond Managers, meet with clients to facilitate assessments and/or provide direction for topics to be addressed with agents, principals, and others as necessary.
Partners with field staff to identify, solicit, and contact significant producers in assigned territory under guidance from Bond Manager and more senior home office underwriting staff.
Monitors, evaluates, and improves existing books of business from an underwriting standpoint as assigned and ensures compliance with Surety guidelines. Continuously evaluates the qualitative characteristics of new and existing business within assigned field offices. Assesses and identifies changes in all aspects of the business including, but not limited to, work program to financial strength criteria, nature of work performed (inherent risk), accuracy and timeliness of data flow, and exposure analyses. Coordinates and/or surfaces issues to manager and/or field Bond Manager. As directed by more senior staff/manager, monitors marketing, underwriting and/or administrative issues within various offices, as assigned. Prepare, recommend, and/or implement instructions for administering workflows and accounting/billing issues to service unique situations.
Utilizes various applications and data and analyzes statistical and financial reports, claims data, and other financial exhibits/data to ensure the quality of existing and new business. Communicates issues of concern on new and existing business to the applicable field office product line underwriter and/or Bond Manager, as necessary and inputs data on accounts to complete or modify analyses and maintain lines of credit in a current and accurate matter. Pursues resolution of open issues, documents result and adjusts credit parameters extended to specific accounts based upon such facts and findings. Applies sound reason and business logic to credit recommendations, documenting such logic file and communicate credit recommendations to more senior Home Office and Field underwriting staff, as necessary.
May directly manage and/or provide underwriting support and direction to less experienced underwriting staff/interns.
As necessary, collaborates with Claims staff to evaluate and/or resolve claim issues and as appropriate, takes immediate action to restrict credit on affected account. Keeps senior underwriting staff/manager informed of claims issues.
Represents Liberty Mutual Surety with competitors regarding co-Surety matters and attends industry functions (i.e., Regional NASBP conferences, AGC, and trade conventions). May speak as requested at external industry meetings.
Leads special projects as requested/assigned.
Train field staff on the art of subdivision underwriting.
Review indemnity agreements prepared by the field, and account rates, for errors.
In some parts of the country, underwrite subdivision business directly with Liberty appointed agents.
Qualifications
Degree in Business or related field typically required
A minimum of 7 years expected, typically 10 years or more, of progressive surety underwriting experience and/or other related business experience with progressive responsibility desired
Advanced analytical ability and decision-making skills to evaluate and judge underwriting risks within scope of responsibility
Demonstrated ability to make and clearly communicate sound underwriting recommendations that includes complex analyses, both verbal and written, and displays strong interpersonal skills in dealing with internal and external stakeholders
Must demonstrate comprehension of most complex technical underwriting issues and be capable of defining and implementing necessary underwriting and administrative processes/workflows
About Us
Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role.
At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve.
We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: ***********************
Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.
Fair Chance Notices
California
Los Angeles Incorporated
Los Angeles Unincorporated
Philadelphia
San Francisco
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Auto-ApplyExecutive Underwriter, Middle Market Technology
Phoenix, AZ job
We are seeking an experienced Executive Underwriter to underwrite middle market technology accounts focused on Property & Casualty and Technology Errors & Omissions (Tech E&O). This role combines autonomous underwriting authority with commercial development: you will manage a portfolio of brokers and clients, underwrite complex/mid-to-large risk technology accounts, price risk analytically, and shape product and go-to-market strategy for the technology vertical.
Responsibilities:
Risk Selection: Reviews, rates, underwrites, evaluates, or assesses the business applying for insurance by qualifying accounts, identifying, selecting and assessing risks, determining the premium, policy terms and conditions, obtaining approvals, creating/presenting the proposal to the agent/broker, and successfully negotiating deals.
Agent/Broker Relationships: Demonstrates a high level of responsiveness and focus on supporting Agents and Brokers objectives. Establishes, develops, and maintains successful relationships with Agents and Brokers to facilitate marketing of products, through responsive service, site visits, in person renewal meetings or enhanced knowledge of their customers businesses. Develops strong personal brand to build and maintain a long-term quality pipeline with Agents/Brokers.
Portfolio Management: Manages a sizable and complex book of technology business by analyzing the portfolio, identifying areas of opportunity for improved growth, profit and diversification, and executing marketing plans to increase market share by making marketing calls to brokers to market and cross market.
Documenting the Deal: Documents files in a way that reflects a solid thought process and decision making through comprehensive account reviews, sign-offs and referrals that comply with state regulations, letter of authority, and underwriting guidelines.
Leadership: Formally guides, mentors, and coaches underwriters and account analysts in both technical and professional skills. Demonstrates an area of expertise and provides regular updates to other underwriters.
Continuous Improvement: Actively participates in continuous improvement by generating suggestions, participating in problem solving activities and using continuous improvement tools to support the work of the team.
Qualifications
Degree in Business or equivalent typically required
A minimum of 7 years expected, typically 10 years or more, of progressive underwriting experience and/or other related business experience
CPCU or professional insurance designation preferred
Proven analytical ability to evaluate and judge underwriting risks within scope of responsibility
Demonstrated ability to communicate complex analyses and information in understandable written and/or oral directives to other persons in the organization for underwriting or training purposes
Demonstrated effective communication and interpersonal skills in dealing with internal and external stakeholders
Must demonstrate comprehension of most complex technical underwriting issues and be capable of defining and implementing necessary underwriting and administrative processes/workflows to properly manage or administer those issues
Proven track record of developing and underwriting profitable business
About Us
Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role.
At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve.
We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: ***********************
Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.
Fair Chance Notices
California
Los Angeles Incorporated
Los Angeles Unincorporated
Philadelphia
San Francisco
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Auto-ApplySales & Client Management Intern
Phoenix, AZ job
When you join the team at Unum, you become part of an organization committed to helping you thrive.
Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life's moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide:
Award-winning culture
Inclusion and diversity as a priority
Performance Based Incentive Plans
Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability
Generous PTO (including paid time to volunteer!)
Up to 9.5% 401(k) employer contribution
Mental health support
Career advancement opportunities
Student loan repayment options
Tuition reimbursement
Flexible work environments
*All the benefits listed above are subject to the terms of their individual Plans
.
And that's just the beginning…
With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you're directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today!
General Summary:Unum is looking for rising seniors ready to explore a career in sales and client management to join our 10-week paid internship program!
Your Summer at Unum:
Our internship program could be the first step on a career path that offers tremendous growth potential! You will be immersed in our company's culture on a team where your manager and mentor will assign you rewarding project work that culminates in an end-of-summer presentation to key business leaders. This work will give you the opportunity to learn the full lifecycle of a Unum case and provide you with a realistic look at what it means to be a Unum Producer. You will be asked to work independently, as well as collaboratively within teams. Our 10-week internship program has many focus areas including, but not limited to: Prospecting and Quoting, Selling, Enrollment, Onboarding, and Relationship Management.
Principal Duties and Responsibilities
Work for Unum which is the leader in the disability-based employee benefits marketplace and in a professional office setting
Weekly focus areas covering the lifecycle of a Unum case that will allow you to experience and analyze the problem from start to finish
Assigned mentors and sponsors to help guide and support you throughout your internship experience and beyond
Dedicated support for resume writing and interview prep
Skill development workshops designed to sharpen your professional skills
Targeted and guided job shadows with your mentor and sales and client management colleagues
Capstone Presentation: Analyzing an assigned business case
Learn about our Field and Home Office departmental and corporate functions
Attend weekly information sessions and networking opportunities with your intern cohort
Earn college credits for your internship
(Faculty/Hiring Manager pre-approvals are required)
Job Specifications
Candidates must be enrolled in an accredited college degree program
Preference given to rising seniors and first year graduate students
Competitive GPA
Demonstrates leadership skills and involvement in extra-curricular activities
Demonstrates a genuine interest in sales and client management as well as a desire to learn more about the insurance industry
Skilled at analytical and critical thinking
Proficiency in MS Word and Excel software applications
Ability to work independently and be self-directed on project work
Excellent communication and organizational skills
Intern must be available to work approximately 40 hours per week during regular business hours
#LI-KC1
Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide.
Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.
The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience.
Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans.
Company:
Unum
Auto-ApplyAssociate Actuary
Phoenix, AZ job
**Become a part of our caring community and help us put health first** The Associate Actuary, Analytics/Forecasting analyzes and forecasts financial, economic, and other data to provide accurate and timely information for strategic and operational decisions. Establishes metrics, provides data analyses, and works directly to support business intelligence. Evaluates industry, economic, financial, and market trends to forecast the organization's short, medium and long-term financial and competitive position. The Associate Actuary, Analytics/Forecasting work assignments involve moderately complex to complex issues where the analysis of situations or data requires an in-depth evaluation of variable factors.
The Associate Actuary, Analytics/Forecasting ensures data integrity by developing and executing necessary processes and controls around the flow of data. Collaborates with stakeholders to understand business needs/issues, troubleshoots problems, conducts root cause analysis, and develops cost effective resolutions for data anomalies. Begins to influence department's strategy. Makes decisions on moderately complex to complex issues regarding technical approach for project components, and work is performed without direction. Exercises considerable latitude in determining objectives and approaches to assignments.
**In addition, the Associate Actuary will:**
+ Support long term projects aimed at advancing technical maturity, process efficiency, and forecasting accuracy. We are looking for creativity, curiosity, and a desire to explore and influence uncharted territory.
+ Conduct independent research, collaborate across many teams/departments, and require strong communication skills to be successful in the job.
**Use your skills to make an impact**
**Required Qualifications**
+ Bachelor's Degree
+ Associate of Society of Actuaries (ASA) designation
+ Meets eligibility requirements for Humana's Actuarial Professional Development Program (APDP)
+ MAAA
+ Strong communication skills
+ Demonstrated ability to communicate technical information with audiences not in the actuarial space
+ Must be passionate about contributing to an organization focused on continuously improving consumer experiences
+ 3+ years health industry experience with ASA, or 1+ years health industry experience with FSA
+ 2+ years SQL experience, or equivalent skillset
**Preferred Qualifications**
+ Medicare Advantage background
+ Creative, high degree of self-accountability
+ Experience in Python, PowerApps, and PowerBI
Travel: While this is a remote position, occasional travel to Humana's offices for training or meetings may be required.
**Scheduled Weekly Hours**
40
**Pay Range**
The compensation range below reflects a good faith estimate of starting base pay for full time (40 hours per week) employment at the time of posting. The pay range may be higher or lower based on geographic location and individual pay will vary based on demonstrated job related skills, knowledge, experience, education, certifications, etc.
$106,900 - $147,000 per year
This job is eligible for a bonus incentive plan. This incentive opportunity is based upon company and/or individual performance.
**Description of Benefits**
Humana, Inc. and its affiliated subsidiaries (collectively, "Humana") offers competitive benefits that support whole-person well-being. Associate benefits are designed to encourage personal wellness and smart healthcare decisions for you and your family while also knowing your life extends outside of work. Among our benefits, Humana provides medical, dental and vision benefits, 401(k) retirement savings plan, time off (including paid time off, company and personal holidays, volunteer time off, paid parental and caregiver leave), short-term and long-term disability, life insurance and many other opportunities.
Application Deadline: 12-30-2025
**About us**
Humana Inc. (NYSE: HUM) is committed to putting health first - for our teammates, our customers and our company. Through our Humana insurance services and CenterWell healthcare services, we make it easier for the millions of people we serve to achieve their best health - delivering the care and service they need, when they need it. These efforts are leading to a better quality of life for people with Medicare, Medicaid, families, individuals, military service personnel, and communities at large.
**Equal Opportunity Employer**
It is the policy of Humana not to discriminate against any employee or applicant for employment because of race, color, religion, sex, sexual orientation, gender identity, national origin, age, marital status, genetic information, disability or protected veteran status. It is also the policy of Humana to take affirmative action, in compliance with Section 503 of the Rehabilitation Act and VEVRAA, to employ and to advance in employment individuals with disability or protected veteran status, and to base all employment decisions only on valid job requirements. This policy shall apply to all employment actions, including but not limited to recruitment, hiring, upgrading, promotion, transfer, demotion, layoff, recall, termination, rates of pay or other forms of compensation and selection for training, including apprenticeship, at all levels of employment.
Humana complies with all applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity or religion. We also provide free language interpreter services. See our ***************************************************************************