Underwriting & Risk Analyst

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.