Ryan J. Cantwell

Sr. Renewal Underwriter - ParetoHealth - Philadelphia PA

(2025-08)

Performed detailed underwriting analysis and risk assessment for renewal business quotes for captive healthcare markets in the pursuit of keeping the business in our captive market.
Analyzed renewal business quotes to identify potential hazards associated with each group using current year and prior year claims data, loss ratios, high-cost claimant reports, AMS reviews, and census demographic data.
Supported management to adjust rate quotes to maintain balance of broker satisfaction as well as ensuring Pareto’s bottom line loss ratio.
Collaborated with Underwriting Director of Quality Control to update the annual audit system to ensure team goals and department guidelines were being met for all quotes. The project was used to update yearly underwriting standard operation procedures and improve quality control.

Medical Underwriter II - Granular Insurance - Conshohocken, PA

(2021-08 - 2025-08)

Performed underwriting analysis and risk assessment for new business quotes from 150+ eligible employees
Analyzed new business quotes to identify potential hazards associated with each group using prior year claims data, loss ratios, high claimant reports, CURV scores, and census demographic data
Recognized by president of the company for going above and beyond during busy season to ensure all quotes or being delivered on time and efficiently to our customers
Worked directly with management to adjust rate quotes to maintain balance of customer satisfactory as well as ensuring Granular’s bottom line loss ratio
Collaborated directly with Underwriting Director to build an annual departmental audit system to ensure yearly goals were being met as well as ensuring department guidelines were being met for all quotes. Was put in charge of the team that conducted the yearly audit.
Assigned by management underwriters to help redesign department guidelines to meet new yearly trend data to ensure our department was meeting loss ratio goals

Medical Underwriter - Aetna Inc. - Blue Bell, PA

(2018-11 - 2021-08)

Selected for participation in Aetna Underwriting Certification Program located in corporate office in Hartford, Connecticut resulting in enhanced medical underwriting skills
Performed underwriting analysis and risk assessment for new and renewal business quotes from 51-100 employees
Analyzed renewal and new business quotes to identify potential hazards associated with each group using prior year data, loss ratios, high claimant reports, MBR, and census data
Worked directly with management to adjust rate quotes to maintain balance of customer satisfactory as well as ensuring Aetna’s bottom line underwriting loss ratio
Prepared, finalized, implemented sold or termed medical quotes for delivery to clients
Recognized for re-designed outdated underwriting team huddle board to allow efficient transfer of data from team underwriting database to huddle board to help identify regions performances trend data.

Accounts Receivable Representative I - Philadelphia Insurance Companies - Philadelphia, PA

(2017-06 - 2018-07)

Evaluated accounts to pursue reimbursement of services rendered and achieve accounts receivable resolution
Worked with underwriting to gather information on accounts to assess the risk level of restoring cancelled policies
Performed collection follow-up steps with the insured regarding open and/or delinquent accounts receivable to result in maximum cash collections for our team
Analyzed and resolve complex insurance denials including coding review to prevent errors within appeals process

Underwriting Intern Trainee Religious Organizations - Philadelphia Insurance Companies - Philadelphia, PA

(2016-06 - 2017-05)

Selected for participation in Underwriting Associate Certification Program, resulting in enhanced underwriting skills
Analyzed risk associated with insurance policies, identifying potential hazards for the company through the evaluation of the ACORDS and supplemental application.
Assisted underwriters with updates, issuing and mailing of policies to agents
Constructed a more efficient method for calculating Insurance to Value for policies currently implemented as a departmental business practice
Developed potential insurance product, collaborating with interns and presented to the Office of the CEO

Insurance Intern - GMG Insurance - Newtown, PA

(2015-05 - 2015-08)

Analyzed and assessed background information on insurance applications and policies
Collected and analyzed information on potential prospects for insurance agents to process
Assisted senior insurance agents with processing claims and quotes
Collaborated and assisted licensed property insurance agents on selling of home and business policies

Insurance Intern - Gannon Insurance Agency - Bensalem, PA

(2014-05 - 2015-01)

Prepared and distributed claim letters to policy holders
Provided initial insurance triage to customers, reducing the claim process and improving customer satisfaction
Reorganized a filing system that improved document retrieval

About