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Risk Management & Underwriting Leadership Development Program RULDP Early Career Professional at Cigna in Bloomfield, Connecticut

Posted in General Business 30+ days ago.

Type: Full-Time

Job Description:

Are you looking for a career that will directly impact business outcomes and earning results?

If you're looking to add value, make an impact, and use strong analytical and math skills in a competitive, fast-paced environment, starting your career within the Risk Management & Underwriting Rotational Leadership Development Program at Cigna will allow you to do all this and more.

Underwriters evaluate the risk of insuring a potential Cigna customer and use that information to set premium rates for insurance policies. As part of our Underwriting team, you will directly impact our business on a daily basis, protecting Cigna's sound financial position which enables us to meet our financial commitments to our customers.

RULDP associates begin to shape their career path through their professional experiences with program support and discussions with direct managers, mentors, RULDP peers, trainers, individual career development program managers. RULDP offers structured technical training (ULTRA - Underwriting Leadership Training & Risk Assessment) and non-technical training (competency based workshops), networking opportunities, formal mentoring, and exposure to a breadth of underwriting roles across multiple product lines. The duration of the program is 4-5 years, offering two 24 month rotations. In addition to rotations you will insight into other roles within the Risk Management & Underwriting organization through formalized job shadows and project work. Throughout the program you will challenged to develop the skills and competencies necessary to become a successful Underwriter.

RULDP is an extensive learning opportunity that guides your experience through the early stages of your Risk Management & Underwriting career. The program include a mixture of instructor-led classroom training, self-study, and on-the-job experiences.

Underwriting Rotation Opportunities include, but are not limited to:

  • CHC (Cigna Healthcare)

  • Pharmacy

  • Stop Loss

  • Dental

  • Behavioral Health

  • Supplemental Benefits

What you'll do:

The program will begin with approximately six to eight weeks of classroom training and three to six months of on-the-job training and experience. This initial technical training portion of the program is called ULTRA. ULTRA provides thorough education on Cigna products and services, insurance basics and risk dynamics, underwriting and risk selection, results oriented book of business management, negotiation skills, systems and tools, and contract language and terms. The knowledge and skills that the program provides will set you up to be a successful Underwriter at Cigna.

Career Path:

Upon completion of your technical training (ULTRA), you will be part of a team responsible for determining the appropriate premium rate level and plan design structure of individual cases, analyzing total case profitability, and conducting customer negotiations with Sales and Account Management on their book of business. You will also have the opportunity to build successful, productive relationships with matrix partners within Cigna, while receiving continuous career development training and mentoring throughout your program experience.


  • Bachelor's degree in the following major and/or minors are preferred: Risk Management, Economics, Finance, Accounting, Management, Mathematics, and Business

  • 0-3 Years of work experience

  • Preferred GPA of 3.0 or higher

  • Strong analytical and problem solving skills

  • Ability to negotiate

  • High comfort level with math/numbers

  • Excellent verbal and written communication skills

  • Strong business acumen with leadership, innovative thinking, and customer centric mindset

Other Information

  • Location: Bloomfield, CT; Philadelphia, PA; Franklin, TN; Chattanooga, TN; Phoenix, AZ; Denver, CO

  • Work Authorization: This role is open only to individuals who are eligible for employment in the United States and who would not require visa sponsorship now or in the future.

  • Program Start Date: Summer 2021

For this position in Colorado, we anticipate offering an hourly rate of 20.91, +/- 10%, depending on experience.

This role is also anticipated to be eligible to participate in an annual bonus plan.

Helping our customers achieve healthier, more secure lives is at the heart of what we do. While you take care of our customers, we'll take care of you through a comprehensive benefits program that helps you be at your best. Starting on day one of your employment, you'll be offered several health-related benefits including medical, vision, dental, and best in class well-being and behavioral health programs. We also offer 401(k) with company match, company paid life insurance, tuition reimbursement, a minimum of 18 days of paid time off per year and dozens of corporate discounts on essentials you use every day. For more details on our employee benefits programs, please visit the "Life at Cigna" tab on our careersite:

About Cigna

Cigna Corporation exists to improve lives. We are a global health service company dedicated to improving the health, well-being and peace of mind of those we serve. Together, with colleagues around the world, we aspire to transform health services, making them more affordable and accessible to millions. Through our unmatched expertise, bold action, fresh ideas and an unwavering commitment to patient-centered care, we are a force of health services innovation. When you work with us, or one of our subsidiaries, you'll enjoy meaningful career experiences that enrich people's lives. What difference will you make?

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 require reasonable accommodation in completing the online application process, please email: for support. Do not email for an update on your application or to provide your resume as you will not receive a response.