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Risk Management &
Underwriting Leadership
​​​​​​​Development Program (RULDP)

​​​​​​​IMPORTANT NOTICE: The 2022-2023 recruiting season for this program is happening now! You can also visit our events page to see if we'll be on your campus (virtually and/or in-person) this fall. Want to learn about Cigna's COVID-19 vaccine policy? Click here.
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, which 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 (summer intern program) you will spend 10 weeks with us evaluating the risk of insuring potential Cigna customers and using that information to set premium rates for insurance policies. 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 (full-time program) 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 within their second rotation. 
See full-time and internship roles
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Recruiting dates:
Recruiting for this program begins annually in mid-August and runs until November.

Positions will re-open in January and close in March if opportunities remain available. 
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Who we hire:
RULDP Explore (Internship): Ideal candidates 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. 

RULDP Evolve (Full-time):  Recent graduates who have received their Bachelor’s degree in a preferred major, including: Risk Management, Economics, Finance, Accounting, Management, Mathematics, or Business with 0-3 years of relevant work experience.
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Locations:
Bloomfield, CT
Philadelphia, PA
Chattanooga, TN
Franklin, TN
Denver, CO
Phoenix, AZ
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Program timeframe:
RULDP Explore (Internship): 10 weeks during the summer beginning in mid-May each year.

RULDP Evolve (Full-time): The duration of the program is 4-5 years, encompassing two rotations. 

Areas of exposure:


All associates will start in Cigna Healthcare (CHC) for their first rotation and will have the opportunity to take on new responsibilities and experiences within 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 underwriting department as my first job after graduating Penn State in 2017. Just one year after joining Cigna, 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 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.”
Cayenne M. headshot

Cayenne M.

Risk & Underwriting Analyst
“I was a Medical Underwriting Intern during the summer of 2018 and loved that the program allowed me to work on a real book of business and provide a meaningful contribution to the company. I enjoyed the internship so much that I accepted a position in the RULDP Evolve program where I am currently in my first rotation. The internship provided me with high level concepts of underwriting and throughout this year I have been able to expand on that knowledge. As I progress through the program, I’m most looking forward to the opportunity to get variety within my job and build my rapport and network within the company.”
HLP associates posing for a group photo
RULDP associates working together in a meeting room
HLP associates posing together for a group photo