Jill Alvarez
Phoenix,AZ
Summary
Medical Underwriter with over 20 years of experience in risk analysis. Ability to collaborate with internal and external partners to provide consultative underwriting expertise and profitable strategies. Experience in both new and existing business for employee groups ranging in size from 250-5000. Proficient in multiple funding options, including Self-funding, Shared Returns and Guaranteed Cost/Fully Insured. Exceptional reputation for managing multiple priorities with accuracy and resolving problems with a positive attitude. Productive relationships with business partners and dedication to team success.
Overview
20
20
years of professional experience
Work History
Middle Market Underwriter
Cigna Healthcare
01.2007 - Current
- Utilized knowledge of underwriting principles and tools to assess risk.
- Completed presale and renewal claim projections to determine aggregate stop loss liability.
- Managed renewal book of business while also developing strategic pricing for potential new clients.
- Negotiated financial terms of coverage both internally and externally to acquire maximum profitability.
- Collaborated with colleagues to develop innovative underwriting solutions and participated in testing of new underwriting tools.
- Became proficient in multiple funding arrangements, network options and market competitor offerings.
- Learned specifics of self-funding, including knowledge of individual stop loss coverage and contracts.
- Trained and mentored new underwriting associates.
- Performed biannual audits of fellow underwriters' work as part of audit team.
- Managed time efficiently in order to complete all tasks within deadlines.
Guaranteed Cost Underwriter
Cigna Healthcare
12.2003 - 12.2006
- Built solid base of risk analysis and underwriting policies and procedures.
- Learned insurance basics, including benefit design, risk assessment and underwriting tools.
- Analyzed data and interpreted RFP information
- Worked effectively in fast-paced environment.
- Learned time management skills specific to meeting underwriting deadlines and business cycles.
- Built relationships with sales partners and other internal colleagues.
Education
Bachelor of Arts - Mathematics
Arizona State University
Tempe, AZ05.2002
Skills
- Assess and manage risk to maximize profitability
- Comprehensive understanding of stop loss contracts
- Interpret complex RFPs and analyze claim data
- Complete claim projections and determine aggregate stop loss liability
- Ability to problem solve and make appropriate judgments to mitigate loss
- Adherence to Underwriting policies and procedures
- Well organized and thorough file keeping
- Excellent written and verbal communication skills
- Well versed in Microsoft Excel and OneNote
- Skilled at working independently and collaboratively in team environment
- Self-motivated, with strong sense of personal responsibility
Timeline
Middle Market Underwriter
Cigna Healthcare
01.2007 - Current
Guaranteed Cost Underwriter
Cigna Healthcare
12.2003 - 12.2006
Bachelor of Arts - Mathematics
Arizona State University
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