Jay Garner is a seasoned underwriting professional with extensive experience at Prudential Financial, where Jay currently serves as a Lead Underwriting Specialist since December 2021. Prior roles include Underwriting Specialist positions at Prudential Insurance from April 2009 to the present and at CIGNA Group Insurance from January 2008 to April 2009. Jay's earlier experience at Prudential Financial from 1998 to 2008 as a Team Lead involved crucial rate calculations and risk acceptance assessments using various data sources and regulatory requirements. Academic credentials include a degree from Delaware Valley University, completed between 2003 and 2007.