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​​​​​​​Risk Management & Underwriting
Leadership Development Program
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NOTICE: The 2024-2025 recruiting season for this program has ended! Please check back in August 2025 for any updates. You can visit our events page to see if we'll be on your campus (virtually and/or in-person) in the near future.
RULDP associates posing for a group photo at a baseball game
If you enjoy analyzing data to see the bigger picture and are comfortable with taking and assigning risk, then our Risk Management and Underwriting Leadership Development Program (RULDP) could be a perfect fit. 

The RULDP, comprised of a summer internship (RULDP Explore) and a full-time rotational program (RULDP Evolve) is designed to provide you with the training and on-the-job instruction needed to become a successful underwriter within Risk Management & Underwriting. 

In the RULDP Explore you will spend 10 weeks with us evaluating the risk of insuring potential customers and using that information to set premium rates for insurance coverage. During this time, you will also be able to contribute to an intern group project, participate in community service initiatives, and attend our leader speaker series.

In the RULDP Evolve you will take part in two rotations that expose you to different markets, buyer groups, or even new product lines. Most participants start in Medical Underwriting for their first rotation and will have an opportunity to take on new responsibilities and experiences with their second rotation. 
Associates share more about the program and their experiences.

Hear more about the program directly from our associates!

Recruiting dates:
Recruiting for this program begins annually at the end of August and runs through November.

Our recruitment process consists of several rounds including a recruiter phone screen and 2 rounds of interviews. 

If opportunities remain available, recruitment will re-open in mid-January.
Who we hire:
For our summer Internship program, we're looking for candidates that have completed 3 years towards their Bachelor’s degree (rising seniors) in a preferred major, including: Risk Management, Economics, Finance, Accounting, Management, Mathematics, or Business.

For Full-Time Associates, we're looking for early career candidates with 0-3 years of experience and a Bachelor’s Degree in a preferred major, including: Risk Management, Economics, Finance, Accounting, Management, Mathematics, or Business. 
Locations:
The RULDP hires for hybrid positions in: Bloomfield, CT; Philadelphia, PA; Chattanooga, TN; Franklin, TN; Denver, CO; and Scottsdale, AZ.
Program timeframe:
RULDP Explore (Internship): 10 weeks during the summer beginning in mid-May each year.

RULDP Evolve (Full-time): This multi-year development program consists of 2 rotations, each typically lasting 2.5 years.

Areas of exposure:


Most associates will start within the Cigna Healthcare division for their first rotation and will have the opportunity to take on new responsibilities and experiences with their second rotation. These new experiences could include the following:
•    New Market (different geographies) 
•    New Buyer Group (employer size) 
•    New Product (ex. Supplemental Health, Pharmacy, Dental, etc.) 
•    New Responsibilities within the same team (ex. project work, mentor opportunities, increased exposure to brokers/clients, book of business management, etc.)

While all rotations will be within the Risk Management & Underwriting department, participants will also gain exposure to the following functional areas: Sales, Implementation, Contracts, Pricing, Compliance, Legal, Operations, and more! 


​​​​​​​Take it from them...
Jenna P. headshot

Jenna P.

Risk & Underwriting Senior Analyst
“I accepted a role within The Cigna Group underwriting department as my first job after graduating Penn State in 2017. Just one year after joining, I was accepted into the underwriting rotational program as a result of my passion to learn and grow within the organization. In a little under two years the rotational program has afforded me the opportunities to attend conferences, lead projects, network in new ways, meet matrix partners, and engage in more detailed financial conversations. Cigna Group does an excellent job of providing all of the opportunities a young professional needs to be successful, and the rotational program pushes that bar even further. I am so thankful to have found a company, and a program, right out of school that has allowed me to flourish by consistently enabling me to try new things and supporting me in both the easy and exciting opportunities as well as the harder and more challenging endeavors.”
Wendy W. headshot

Wendy W.

Risk & Underwriting Analyst
“I have been in the Risk Management & Underwriting Development program since June of 2021. I accepted the role after interning with The Cigna Group throughout the summer of 2020. Throughout my time here, I have felt welcomed, supported, and challenged. I have been provided with the opportunities to expand my knowledge and skillsets while also being challenged to step out of my comfort zone. In just a year and a half in the program, I have been able to help organize events, serve on a committee, help with recruiting, and mentor a new hire. The Cigna Group takes developing talent seriously by effectively training new hires and providing them with an environment where they can grow and develop into effective underwriters, but beyond that, the development program is also designed to help participants meet their individual goals."
RULDP associates posing for a group photo
RULDP associates working together in a meeting room
RULDP associates posing together for a group photo