Risk Management & Underwriting Leadership Development Program - January 2026

**Launch your career. Build your future. Make an impact.**   Are you ready to apply your analytical mindset and problem-solving skills in a dynamic, fast-paced environment? Join our Risk Management & Underwriting Leadership Development Program (RULDP Evolve) for a unique opportunity to grow your career while helping shape smart insurance decisions that drive business success.  As an RULDP associate, you'll evaluate risk, help determine pricing and make decisions that directly influence our bottom line, all while protecting the company's financial strength and meeting the needs of our clients.  **Responsibilities:** **What You Can Expect from the RULDP Experience**   From day one, you'll be supported by mentors, managers, peers, and program leads as you build foundational skills and develop into a future leader. Our 5-year program features:  + **Technical Training** : Learn the ins and outs of underwriting, risk analysis, product knowledge, negotiation, and more through our intensive underwriting Training curriculum.  + **Professional Development** : Enhance leadership and communication skills through workshops, mentoring, and hands-on experiences.  + **Optional Rotational Opportunities** : Participate in two rotations (typically 2.5 years each), giving you exposure to different products, markets, or customer segments.   + **Career Exploration** : Job shadowing and opportunities to participate in strategic initiatives will give you insight into the full spectrum of Risk Management and Underwriting Roles . **Qualifications:** We're seeking curious, driven individuals who are eager to learn, grow, and lead. RULDP Evolve is a great opportunity for recent graduates or those early in their careers who are excited to apply their academic knowledge in a real-world setting. **What you need to do the job:**   + Bachelor's degree is required. The following majors and/or minors are preferred: Risk Management, Insurance, Business, Economics, Finance, Management, Mathematics, or Healthcare.  + If outside of preferred majors, relevant internship or work experience in analytics, finance, or the insurance space is required.  + GPA of 3.0 or higher preferred + Strong analytical and critical thinking skills + A strong foundation in working with math and numbers + Excellent verbal and written communication + Confident negotiator and problem-solver + Customer-focused mindset This role is designed to support your transition from academia to industry. **Additional Requirements:**    + **Start Date:** Monday January 12th 2026 + **Location** : This is a Hybrid position out of Bloomfield, CT; Philadelphia, PA; Franklin, TN; Chattanooga, TN; Denver, CO or Scottsdale, AZ. A Hybrid position means that you will be expected to work in-person for at least 3 days (Tuesday, Wednesday & a 3rd day of choice) at your assigned office location, with flexibility to work at home for balance of time.   + **Work Authorization** : This position is open only to individuals who are eligible for employment in the United States and who would not require visa support including H-1B or CPT/OPT/STEM, etc., now or in the future.  + **Timeline** : Our recruitment process consists of several rounds including a recruiter phone screen and up to 3 rounds of interviews. Our final round interview day will be conducted in-person with the expectation of traveling to one of our offices where applicable. The job application window will close on October 23, 2025, or once all roles are filled. 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 hourly rate of 24 - 37 USD / hourly, depending on relevant factors, including experience and geographic location. This role is also anticipated to be eligible to participate in an annual bonus plan. We want you to be healthy, balanced, and feel secure. That's why 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) with company match, 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, visit Life at Cigna Group . **About Cigna Healthcare** Cigna Healthcare, a division of The Cigna Group, is an advocate for better health through every stage of life. We guide our customers through the health care system, empowering them with the information and insight they need to make the best choices for improving their health and vitality. 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 require reasonable accommodation in completing the online application process, please email:_ [email protected]_ _for support. Do not email_ [email protected]_ _for an update on your application or to provide your resume as you will not receive a response._ _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._