Demo

Rating Analyst

Unum
Chattanooga, TN Full Time
POSTED ON 12/4/2025 CLOSED ON 1/4/2026

What are the responsibilities and job description for the Rating Analyst position at Unum?

Job Posting End Date: December 18

When you join the team at Unum, you become part of an organization committed to helping you thrive.

Benefits

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 position leads the successful completion of individual and multi-life quote proposal requests for new hires being added to an existing plan (adds). Additionally, they will provide quote proposals for GCI opportunities on existing policies. They will conduct the necessary communication with internal business partners (Case Design Underwriting, Client Management, Implementation, Field Office Staff and others), brokers, and customers to ensure the needs of the customers are being met.

Principal Duties And Responsibilities

  • Provide personalized enrollment kits on IDI
  • Export and e-mail to the appropriate field office, Broker, Plan Admin or as instructed from internal partners.
  • Work closely with Case Design Underwriting and the field sales representative in order to retrieve pertinent information about the account
  • Generate rate illustrations and enrollment kits based on Offer Summary in Case Tracker
  • Responsible for rating and management of new-hires, re-enrollment and renewal activities, to include Customer Direct. Validates and ensures work is compliant with all internal/external partners
  • Review requirements for accuracy (final census/billing data/correct kit/current offer)
  • Secure missing data needed for case processing, interpret/execute plan design, generate rates, provides file to fulfillment area that can be successfully merged to create enrollment materials
  • Ensure Accurate Risk Numbers are included on the Applications and MADS forms (according to instructions from Case Design Underwriting, billing area who creates additional Risks Numbers)
  • Interpret/execute plan design and customize enrollment materials as needed
  • Primary responsibility for ADDs and for increasing skills in GCIs
  • Build and maintain partner relationships with all related business areas.
  • Adhere to established QR expectations
  • Manage activity database to reflect case assignment and accurate status of case activity
  • May perform other duties as assigned by Manager

Job Specifications

  • Demonstrates strong customer service focus
  • Demonstrate individual leadership qualities which includes consistently delivering results, taking ownership for personal development, demonstrate the ability to make effective and timely decisions, possess a strong understanding of business area goals and how to achieve them, collaborate with peers and business partners to foster teamwork and act with integrity while adhering to Unum’s Code of Conduct.
  • Solid work ethic and the ability to work effectively without direct supervision
  • Demonstrates strong interpersonal skills
  • Strong verbal and written communication skills
  • Ability to perform in a fast-paced environment, both as part of a team and independently
  • Demonstrates resolve to achieve personal and business goals
  • Demonstrates good organizational and time management skills with the ability to multi-task
  • Demonstrates solid mathematical/analytical, critical thinking and reasoning skills
  • Demonstrates solid technical aptitude and familiarity with software systems used to process Single and Multi-Life offerings
  • 2 years of experience in a high production/high transaction operation or equivalent relevant experience/education

~IN2

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.

$40,000.00-$75,600.00

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

Salary : $40,000 - $75,600

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