Senior Underwriting Consultant

Join HUB International

At HUB International, we believe the best workplaces do more than offer a job. They invest in their people, celebrate their communities, and build cultures where everyone belongs. We are proud to be that kind of company, and the recognition we have earned reflects it.

We help individuals, families, and businesses protect and plan for what matters most through a broad array of insurance, retirement, and wealth management products and services. HUB is one of the world's largest insurance brokerages, with over 540 locations and more than 20,000 professionals across North America. We bring together the resources of a global firm and the agility of a regional team, giving you the tools, support, and community you need to grow throughout your career.

Whether you are supporting a local business, helping a national client navigate complex risk, or building your expertise in a specialized practice area, you will find that your voice matters here. Your work has purpose. And your potential has no ceiling.

We would love for you to explore what is possible at HUB International.

Senior Underwriting Consultant

We currently have an opportunity for a Senior Underwriting Consultant to join our Employee Benefits team in our Wilmington, MA office on a hybrid work schedule.

Overview:

The Senior Underwriting Consultant identifies, reviews, evaluates and prices risk for clients and prospects based in HUB International's New England Region. Provides support and direction to account teams on short and long-term planning and overall consulting strategy and approach.

Responsibilities:

• Reviews, collects and analyzes client specific information including financial condition, employee demographics and previous claim experience to determine risk, potential benefit features and premium equivalent rates for self-funded groups.
• Assists with review of client specific underwriting and renewal negotiations on fully-insured groups.
• Performs fully insured to self-funded analyses.
• Assists as necessary in the negotiation of benefit plan designs and financial assumptions with client service team on new and renewal business.
• Assists client teams with financial strategies and long-range financial projections.
• Assists in developing client premium contribution strategies.
• Conducts plan design modeling using carrier provided or actuarial developed increments or decrements.
• Assists with review of Stop Loss marketing and appropriate designs.
• Assists with review of Pharmacy carve out versus carve-in costs and design.
• Updates underwriting databases as appropriate and maintains understanding of current trends and products.
• Develops standard reports such as IBNR and experience reports as needed.
• Reviews and interprets ad hoc reports as requested and produces ongoing reports for both fully insured and self-funded clients.
• Provides underwriting and financial knowledge sharing and education to clients, peers, and/or members of the sales and client service teams.
• Completes peer review and assists with overflow of financial and underwriting work as needed from client service teams.
• Creative development and use of new strategies and approaches.
• Assist sales and production teams (client meetings, prospect presentations, speaking opportunities)

Key Competencies:

• Leadership – Demonstrates leadership skills; sets example for others to follow. Effectively coaches others in developing their skills and abilities.
• Problem Solving – Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions.
• Project Management – Able to develop and manage project plans; Communicates changes and progress; Completes projects on time and budget.
• Customer Service – Manages difficult or emotional customer situations; Responds promptly to customer needs; Solicits customer feedback to improve service; Responds to requests for service and assistance; Meets commitments.
• Industry Knowledge – Strong knowledge of employee benefits products and services and how they are delivered to clients; knowledge of related legislation such as HIPAA and ACA.
• Analytical – Evaluate numerical and qualitative data to recommend the best alternatives to clients.
• Computer Skills – Use of Microsoft Excel, PowerPoint and Word to create effective presentations and exhibits. Knowledge or proficiency of other applications is a plus (i.e. Claros Analytics, Artemis Health, Deerwalk/Cedar Gate).
• Relationship Management – Develops and maintains strong relationships; work effectively with insurance and service vendors to gain cooperation in meeting clients' needs.
• Team Player – Effectively works with HUB teams.

Qualifications:

• 7 – 10 years of related employee benefits underwriting and benefits experience and/or training (consulting, brokerage, carrier, or reinsurance background).
• Working knowledge of underwriting and actuarial principles and procedures.
• Bachelor's degree or equivalent combination of education and experience. Preference will be given to candidates with brokerage or insurance carrier underwriting or account management experience.
• Life/Accident/Health broker's license or ability to obtain license within six months of hire.
• Proficiency with Microsoft Office products.
• Excellent organizational, interpersonal, communication skills and ability to work in a team environment.

At HUB International, we are invested in your success - both inside and outside of work. Our benefits are designed to support your well-being, fuel your growth, and help you build a secure future. We believe that when our people thrive, our clients and communities do too.

We are committed to continuous learning and career momentum. Whether you are just getting started or ready to take the next step, HUB provides the tools, mentorship, and opportunities to help you move forward with confidence.

Benefits you may enjoy as part of the HUB International team:

• Medical, Dental, Vision, and Prescription Drug Coverage
• Health Plan Reimbursement Program
• Health Savings Account (HSA) and Flexible Spending Accounts (FSAs)
• 401(k) Savings Plan
• Life and Disability Plans
• Long-Term Care
• Employee Assistance Program (EAP)
• Comprehensive Wellness Program
• Identity Theft Protection, Group Legal, Accident, Critical Illness, and Pet Insurance
• Low-Cost Loan Program and Student Loan Resources
• Vacation, Holiday, Sick, and Personal Time Off
• Flexible Work Arrangements
• Dress for Your Day Policy
• Comprehensive Onboarding and Continuing Education

The expected salary range for this position is $120,476 to $150,000 and will be impacted by factors such as the successful candidate's skills, experience and working location, as well as the specific position's business line, scope and level. HUB International is proud to offer comprehensive benefit and total compensation packages which could include health/dental/vision/life/disability insurance, FSA, HSA and 401(k) accounts, paid-time-off benefits such as vacation, sick, and personal days, and eligible bonuses, equity and commissions for some positions.

HUB International Limited is an equal opportunity employer that does not discriminate on the basis of race/ethnicity, national origin, religion, age, color, sex, sexual orientation, gender identity, disability or veteran's status, or any other characteristic protected by local, state or federal laws, rules or regulations.