Job Description

What You'll Do:

We’re seeking an experienced Underwriting Consultant to join our Workplace Benefits Group Underwriting team. In this role,  you’ll assess risk at both case and block levels, underwriting or reviewing standard to complex group insurance cases to develop strategies that drive profitable growth across markets or nationwide.  You’ll also deliver rating and risk analysis, along with consultative support for prospects, new cases, amendments, and renewals.  

• Provide technical training, coaching, review  assistance and feedback for internal staff and external partners via live case analysis or quality review.  

• Partner with local market sales personnel and relevant internal collaborators. Develop and support strategic business plans by serving as an internal and external advocate. This helps meet our business unit growth and profit goals.  

• Analyze risk and develop rating strategies for employer groups or blocks of business by evaluating pricing tools, claims experience, demographics, market competitiveness, and regulatory requirements, ensuring alignment with internal goals.  

• Provide consultative services to local sales personnel and external customers on rating options, contract terms, and benefit strategies, through discussions,  presentations and conference calls. Effectively communicate and negotiate pricing recommendations, rational and impact.  

• Review work performed by others (pre or post release) to authorize deviations from standards and provide recommendations for improvement. Provide  appropriate motivation and coaching for learning and development of team members  

• Collaborate with internal partners to assess customer needs and  identify solutions to non-standard requests and problems.  Solves moderately complex problems independently.  

• Act as a business lead/subject matter expert for department and segment projects, owning necessary research, data analysis, and development of recommendations. Provide input on data needs going forward to  validate the  appropriate of the recommendation at a future date.  

Operating at the intersection of financial services and technology, Principal builds financial tools that help our customers live better lives. We take pride in being a purpose-led firm, motivated by our mission to make financial security accessible to all. Our mission, integrity, and customer focus have made us a trusted leader for more than 140 years! 

Who You Are:

• A  Bachelor's degree or equivalent experience is  required , along with 4+ years of underwriting experience and an advanced understanding of products within the business unit.  

• Must have excellent planning/organizational, problem-solving, time management, decision-making, analytical, and oral and written communication skills, as well as general math skills  

• Proven leadership,  presentation and negotiation skills  required  

• Computer skills and knowledge of business unit applications preferred  

• Must  maintain a high degree of accuracy and attention to detail while ensuring confidentiality  

• Travel required (5%), including overnight stays  

 

Skills That Will Help You Standout:  

• Experience in Medium to Large Case Non-Medical Group Underwriting  

• Industry,  market and competitor carrier knowledge  required  

Salary Range Information: Salary ranges below reflect targeted base salaries. Non-sales positions have the opportunity to participate in a bonus program. Sales positions are eligible for sales incentives, and in some instances a bonus plan, whereby total compensation may far exceed base salary depending on individual performance. Actual compensation for all roles will be based upon geographic location, work experience, education, licensure requirements and/or skill level and will be finalized at the time of offer. Salary Range: $69300 - $126000 / year Time Off Program: Flexible Time Off (FTO) is provided to salaried (exempt) employees and provides the opportunity to take time away from the office with pay for vacation, personal or short-term illness. Employees don’t accrue a bank of time off under FTO and there is no set number of days provided. Pension Eligible: Yes Additional Information:

Work Environments

This role offers in-office, hybrid (blending at least three office days in a typical workweek), and remote work arrangements (only if residing more than 30 miles from Des Moines, IA, or Raleigh, NC or Charlotte, NC). You’ll work with your leader to figure out which option may align best based on several factors.

Work Authorization/Sponsorship

At this time, we're not considering applicants that need any type of immigration sponsorship (additional work authorization or permanent work authorization) now or in the future to work in the United States. This includes, but IS NOT LIMITED TO: F1-OPT, F1-CPT, H-1B, TN, L-1, J-1, etc. For additional information around work authorization needs please use the following links.

Nonimmigrant Workers and  Green Card for Employment-Based Immigrants

Investment Code of Ethics

For Principal Asset Management positions, you’ll need to follow an Investment Code of Ethics related to personal and business conduct as well as personal trading activities for you and members of your household. These same requirements may also apply to other positions across the organization.

Experience Principal

At Principal, we value connecting on both a personal and professional level. Together, we’re imagining a more purpose-led future for financial services – and that starts with you. Our success depends on the unique experiences, backgrounds, and talents of our employees. And we support our employees the same way we support our customers: with comprehensive, competitive benefit offerings crafted to protect their physical, financial, and social well-being. Check out our  careers site to learn more about our purpose, values and benefits.

Principal is an Equal Opportunity Employer

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.

Posting Window: We will accept applications for 3 full days following the Original Posting Date, after which the posting may remain open or be removed based upon applications received. If we choose to post the job again, we will accept additional applications for at least 1 full day following the Most Recently Posted Date. Please submit applications in a timely manner as there is no guarantee the posting will be available beyond the applicable deadline. Date First Posted (TTF): 1/12/2026 Latest Post Date: Careers - US: 1/12/2026

LinkedIn Remote Hashtag

: #LI-Remote

Job Tags

Permanent employment, Full time, Contract work, Temporary work, Work experience placement, H1b, Work at office, Local area, Remote work, Flexible hours, Night shift,

Similar Jobs