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How much do cigna underwriting jobs pay per year?

As of Jun 10, 2026, the average yearly pay for cigna underwriting in the United States is $43,000.00, according to ZipRecruiter salary data. Most workers in this role earn between $41,500.00 and $44,500.00 per year, depending on experience, location, and employer.

What does a typical day look like for someone in Cigna Underwriting?

A typical day in Cigna Underwriting involves reviewing insurance applications, analyzing medical and financial information, and making risk-based decisions on policy approvals or pricing. You'll collaborate closely with sales representatives, brokers, and other internal teams to clarify application details and ensure client needs are met. The role often requires balancing multiple cases, meeting deadlines, and staying up to date with underwriting guidelines and industry regulations. This dynamic environment provides variety in daily tasks and opportunities to develop expertise in risk assessment and insurance products.

What are the key skills and qualifications needed to thrive in the Cigna Underwriting position, and why are they important?

To thrive as a Cigna Underwriting professional, you need a strong analytical background, knowledge of risk assessment, and a bachelor's degree (often in business, finance, or a related field). Familiarity with underwriting software, Excel, and sometimes industry certifications such as LOMA or Associate in Underwriting (AU) are highly beneficial. Strong communication, attention to detail, and collaborative skills help you work effectively with sales teams and clients. These capabilities are vital for accurately evaluating insurance applications, ensuring compliance, and supporting Cigna's business objectives.

What is a Cigna Underwriting job?

A Cigna Underwriting job involves assessing risk factors to determine appropriate pricing and coverage for insurance policies. Underwriters analyze medical history, financial data, and industry trends to ensure that policies are both competitive and financially sustainable for the company. They collaborate with sales teams, actuaries, and clients to develop solutions that align with business goals. Strong analytical skills, attention to detail, and knowledge of healthcare regulations are essential for success in this role.

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Cigna Underwriting jobs near you
Risk & Underwriting Advisor, Retail Network - Express Scripts - Remote

Risk & Underwriting Advisor, Retail Network - Express Scripts - Remote

Cigna

Remote

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 27 days ago

Cigna Healthcare rating

8.4

Company rating: 8.4 out of 10

Based on 216 frontline employees who took The Breakroom Quiz

34th of 870 rated healthcare providers

Job description

Summary: The Risk & Underwriting Advisor, Retail Network, is responsible for developing and implementing client-specific retail network pricing strategies that ensure competitive positioning in the marketplace. This role collaborates closely with Supply Chain teams and cross-functional stakeholders-including Retail Network Underwriting Analysis, Product, Sales & Account Management (SAM), Core Underwriting, and Next Generation Engine (NGE) Support-to optimize retail network modeling for Health Plan clients and new sales opportunities. The Advisor also provides expert support for ad hoc and complex underwriting analyses with potential financial impact.
Key Responsibilities:
  • Strategic Pricing & Modeling
    • Develop tailored retail network pricing strategies for renewing clients and new sales opportunities, including RFPs, Direct Renewals, and Market Checks.
    • Deliver competitive offers by leveraging market intelligence and client-specific data.
  • Analytical Support
    • Provide underwriting support for all retail network ad hoc analyses with potential financial implications.
    • Conduct quantitative and financial cost modeling for clients across diverse lines of business, including Commercial, Medicare Part D, Medicaid, and Health Care Exchange.
  • Stakeholder Engagement
    • Communicate effectively with Senior Leadership, SAM, and other business partners to present ESI opportunities and drive financial results.
    • Prepare and deliver strategic presentations for both internal and external audiences.
  • Collaboration & Project Participation
    • Partner with cross-functional teams to strategize and deliver optimized retail network solutions.
    • Participate actively in department and company-wide projects, contributing expertise and innovative thinking.

Qualifications:
  • Bachelor's degree in Risk Management, Economics, Statistics, Mathematics, or Finance preferred
  • Minimum of 2 years plus of relevant financial or analytical experience.
  • Preferred experience in Pharmacy Benefit Management (PBM), Managed Care, Healthcare, or Pharmaceutical industries.
  • Demonstrated ability to build partnerships and collaborate effectively to achieve shared objectives.
  • Strong analytical, quantitative, and problem-solving skills.
  • Proven decision-making abilities, with a solid understanding of key financial indicators.
  • Excellent verbal and written communication skills, including presentation capabilities.
  • High motivation and perseverance in the face of challenges.
  • Strong business acumen, leadership qualities, innovative mindset, and customer-centric approach.
  • Self-starter with the ability to manage multiple projects simultaneously.
  • If you live within 50 miles of one of our locations, you will be required to work in the office 3 days a week, all other candidates will be 100% remote

If you will be working at home occasionally or permanently, the internet connection must be obtained through a cable broadband or fiber optic internet service provider with speeds of at least 10Mbps download/5Mbps upload.
For this position, we anticipate offering an annual salary of 88,700 - 147,800 USD / yearly, depending on relevant factors, including experience and geographic location.
This role is also anticipated to be eligible to participate in an annual bonus plan.
At The Cigna Group, you'll enjoy a comprehensive range of benefits, with a focus on supporting your whole health. Starting on day one of your employment, you'll be offered several health-related benefits including medical, vision, dental, and well-being and behavioral health programs. We also offer 401(k), company paid life insurance, tuition reimbursement, a minimum of 18 days of paid time off per year and paid holidays. For more details on our employee benefits programs, click here.
About Evernorth Health Services
Evernorth Health Services, a division of The Cigna Group, creates pharmacy, care and benefit solutions to improve health and increase vitality. We relentlessly innovate to make the prediction, prevention and treatment of illness and disease more accessible to millions of people. Join us in driving growth and improving lives.
Qualified applicants will be considered without regard to race, color, age, disability, sex, childbirth (including pregnancy) or related medical conditions including but not limited to lactation, sexual orientation, gender identity or expression, veteran or military status, religion, national origin, ancestry, marital or familial status, genetic information, status with regard to public assistance, citizenship status or any other characteristic protected by applicable equal employment opportunity laws.
If you need a reasonable accommodation to complete the online application process, please email seeyourself@thecignagroup.com for assistance. Please note that this email inbox is dedicated to accommodation requests only and cannot provide application updates or accept resumes.
The Cigna Group has a tobacco-free policy and reserves the right not to hire tobacco/nicotine users in states where that is legally permissible. Candidates in such states who use tobacco/nicotine will not be considered for employment unless they enter a qualifying smoking cessation program prior to the start of their employment. These states include: Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Georgia, Hawaii, Idaho, Iowa, Kansas, Maryland, Massachusetts, Michigan, Nebraska, Ohio, Pennsylvania, Texas, Utah, Vermont, and Washington State.
Qualified applicants with criminal histories will be considered for employment in a manner consistent with all federal, state and local ordinances.

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