What are the responsibilities and job description for the Underwriting & Risk Analyst position at PLIC Primerica Life Insurance Company?
Join Our Team In 2025, USA Today recognized Primerica as a Top Workplace USA for the fifth year in a row, and Newsweek named Primerica one of America’s Greatest Workplaces for Diversity for the second consecutive year. In 2024, the Atlanta Journal-Constitution named Primerica as a Top Workplace for the eleventh consecutive year, and Forbes recognized Primerica as one of America’s Best Employers for Women for the fifth year in a row. In addition, for the tenth time Primerica has been voted a Best Employer by Gwinnett Magazine. Primerica is a great place to work! Join our team to experience what it’s like to work at “one of the best places to work in the metro Atlanta”. About this Position The Underwriting & Risk Analyst plays a key role in advancing underwriting research and development by applying quantitative analysis to evaluate risk and improve decision-making. This role conducts cost/benefit analyses and mortality studies to measure the financial impact of underwriting strategies and product designs. By integrating data-driven insights with innovative methodologies, the analyst helps refine risk selection, enhance pricing accuracy, and support sustainable growth. They will work closely with President, Chief Underwriter and Medical Director of Primerica Life on assessment of new data and tools. Responsibilities & Qualifications Research new and existing external data sources and evaluate their impact on risk segmentation and underwriting performance Collaborate with underwriting, claims, actuarial, and R&D teams to explore emerging methodologies, data sources, and innovative opportunities Participate in cross-functional groups to integrate analytical findings into underwriting strategy, workflow enhancements, and R&D initiatives Share research insights through presentations and discussions with leadership Support development and testing of predictive models and underwriting tools including data preparation, variable selection, and model validation Conduct mortality, morbidity, and experience studies to assess a/e outcomes and the value of underwriting methodologies Perform cost/benefit analyses of underwriting requirement modifications, rule changes, and process improvements Conduct validation studies comparing predictive model outputs to historical underwriting outcomes while documenting methodologies, assumptions, and findings Translate complex analytical, actuarial, and statistical findings into clear actionable recommendations Partner with actuaries to refine assumptions, assess model interpretability, and ensure alignment with pricing and risk expectations Identify underwriting practices that correlate with favorable or unfavorable mortality experience and recommend strategic adjustments Design and maintain dashboards that track underwriting performance such as placement rates, risk metrics, and predictive model results Develop executive-level presentations summarizing research insights, statistical findings, and impact on the business Lead analytic projects that align with R&D initiatives across multiple departments within life insurance operations Query and analyze data using tools such as SQL, MS Access, Python, Palantir Foundry, and others as required Create reports, presentations, and visual dashboards in support of department or business operations Regularly present and provide insights to senior leadership Expertise in quantitative data analysis methods and data mining Excellent diagnostic and problem solving skills to analyze and identify discrepancies within data sets to identify solutions Strong strategic thinking skills with the ability to translate trends and analyses into actionable recommendations Ability to align projects with company objectives and discuss actionable insights with stakeholders Effective communication across diverse audiences Ability to handle ambiguity while striving for clarity EDUCATION, EXPERIENCE & CERTIFICATIONS 3-5 years of experience in analytics-focused roles required Experience in life insurance or actuary preferred Progression towards actuarial exams or data science certificates is a plus Bachelor’s Degree or equivalent experience required Master’s Degree in Data Analysis, Data Science, Statistics, or Actuarial Science preferred Advanced proficiency in Database Management Software (WinSQL, dBeaver, or equivalent), PowerBI, and MS Office suite required Proficiency in Palantir Foundry and programming language (Python, R, or equivalent) preferred Experience in the Life Insurance or medical industry is a plus FLSA status: This position is exempt (not eligible for overtime pay): Yes Our Benefits: Day one health, dental, and vision insurance 401(k) Plan with competitive employer match Vacation, sick, holiday and volunteer time off Life and disability insurance Flexible Spending Account & Health Savings Account Professional development Tuition reimbursement Company-sponsored social and philanthropy events It has been and will continue to be the policy of Primerica, Inc., and its subsidiaries to be an Equal Opportunity Employer. We provide equal opportunity to all qualified individuals regardless of race, sex, color, religious creed, religion, national origin, citizenship status, age, disability, pregnancy, ancestry, military service or veteran status, genetic or carrier status, marital status, sexual orientation, or any classification protected by applicable federal, state or local laws. At Primerica, we believe that diversity and inclusion are critical to our future and our mission – creating a foundation for a creative workplace that leads to innovation, growth, and profitability. Through a variety of programs and initiatives, we invest in each employee, seeking to ensure that our people are not only respected as individuals, but also truly valued for their unique perspectives. Primerica is a leading provider of financial products and services to middle-income families in the U.S. and Canada. Since 1977, Primerica has helped millions of middle-income households protect their families and save for the future. We insure over 5.5 million lives and have approximately 3.0 million client investment accounts. Headquartered in metro Atlanta, Primerica is a Fortune 1000 company with over 2,800 employees located in the U.S. and Canada. Our employees are an integral part of achieving Primerica’s mission in creating more financially independent families and supporting over 151,000 licensed financial representatives across the U.S. and Canada. The Company’s competitive salaries, award-winning benefits packages, and employee recognition programs are just a few of the reasons the average employee tenure is 13 years. Awards and Recognitions Newsweek’s America’s Greatest Workplaces USA Today’s Top Workplaces USA Atlanta Journal-Constitution’s Top Workplaces Forbes America’s Best Insurance Companies #1 Most Trusted Life Insurance Company by Investor’s Business Daily #3 Most Trusted Financial Company by Investor’s Business Daily Our stock is traded on The New York Stock Exchange under the symbol “PRI.” If you need help with any part of the application process, please email Recruiting@primerica.com. www.primerica.com PRIMERICA CAREERS Don't see a job that you are interested in? Introduce yourself and submit your resume to our recruiters. We'll get in touch if there's a role that seems like a good match.