Business Analyst

Title: Business Analyst With Exp in Life Insurance (Term & Final Expense) Location: Fredrick MD (5 Days onsite) Long Term Contract On C2C Job Description : 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. Key Responsibilities • Gather, analyze, and document business requirements across underwriting, policy issuance, and servicing workflows • Collaborate with actuarial teams to translate product rules, pricing, and risk factors into system requirements • Work closely with product, engineering, and UX teams to deliver customer-centric digital experiences, act as the bridge between Product, Business, and Technology • Create and manage user stories, acceptance criteria, and backlogs in JIRA • Maintain clear and structured documentation in Confluence • Facilitate workshops, stakeholder meetings, and requirement walkthroughs • Support UAT, validate business scenarios, and ensure alignment with expected outcomes • Identify process improvement opportunities to drive efficiency and reduce cycle time 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