Business Analyst

Job Title

Business Analyst

Location

Frederick, MD (Onsite)

Experience

10 & Above Years

Highlighted Skills

Primary: Business Analysis, Life Insurance, Term Life, Final Expense (FE)

Secondary: JIRA, Confluence, UAT, Agile, Scrum, Process Mapping

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Role Summary

We are seeking a Business Analyst with strong experience in Life Insurance| specifically Term Life and Final Expense (FE) products. The ideal candidate will serve as a key liaison between Business| Actuarial| and Technology teams to gather requirements| translate business needs into system specifications| and support end to end policy lifecycle initiatives while enabling digital transformation.

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Key Responsibilities

• Gather, analyze, and document business requirements across underwriting, policy issuance, and servicing workflows
• Collaborate closely with actuarial teams to translate product rules, pricing structures, and risk factors into system requirements
• Partner with Product, Engineering, UX, and QA teams to deliver customer‑centric digital experiences
• Create and manage user stories, acceptance criteria, and product backlogs in JIRA
• Maintain clear and structured documentation in Confluence
• Facilitate requirement workshops, stakeholder meetings, and walkthrough sessions
• Support UAT activities, validate business scenarios, and ensure alignment with expected outcomes
• Identify process improvement opportunities to improve operational efficiency and reduce cycle time

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Required Skills Experience

• Life Insurance Domain Expertise
• Strong, hands‑on experience with Final Expense (FE) products, including:
  • Guaranteed eligibility rules
  • Graded benefits and waiting period logic
  • Face amount limits, age bands, and underwriting tiers
  • Premium calculation factors and rate class variations
  • Application flows, disclosures, and replacement considerations
  • Guaranteed Issue and Simplified Issue product structures
• Solid understanding of Term Life products and underwriting processes
• Experience working with actuarial concepts, including:
  • Mortality assumptions
  • Pricing inputs
  • Rule implementation
• Ability to translate FE product design into system requirements, decision rules, and end‑to‑end workflows
• Hands‑on experience with JIRA (user stories, backlog management) and Confluence (documentation and traceability)
• Strong experience in requirements gathering, process mapping, and stakeholder management
• Experience supporting UAT for FE scenarios, including edge cases, eligibility exceptions, payment handling, and policy activation conditions

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Essential Skills

Business Analyst with strong experience in Life Insurance

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Skills

Business Analysis

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Experience Required

10 & Above

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Required Skillset

• Strong, hands‑on experience with Final Expense (FE) products, including:
  • Guaranteed eligibility rules, graded benefits, and waiting period logic
  • Face amount limits, age bands, and underwriting tiers
  • Premium calculation factors and rate class variations
  • Application flows, disclosures, and replacement considerations
  • Guaranteed Issue and Simplified Issue product structures
• Solid understanding of Term Life products and underwriting processes
• Experience working with actuarial concepts, including mortality assumptions, pricing inputs, and rule implementation
• Ability to translate FE product design into system requirements, decision rules, and workflows
• Hands‑on experience with JIRA (user stories, backlog management) and Confluence (documentation)
• Strong expertise in requirements gathering, process mapping, and stakeholder management
• Experience supporting UAT for FE scenarios, including edge cases (e.g., eligibility exceptions, payment handling, policy activation conditions)
• Strong communication skills with ability to simplify complex insurance and actuarial concepts
• Experience working in Agile/Scrum environments with strong stakeholder collaboration skills