Financial Consultant/UnderwriterSan Diego, CA


The Financial Consultant / Underwriter identifies, reviews, evaluates and prices risk for clients and prospects based in HUB International’s California Regions. Provides support and direction to account teams on short and long-term planning and overall consulting strategy and approach. Engages with HUB specialty practice teams. Presents strategy to teams, clients, and prospects.

Essential Duties and 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 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 and design.

  • Updates databases as appropriate and maintains understanding of current trends and products.

  • Develops standard reports such as IBNR and experience reports as needed.

  • Knowledge of claim utilization and ability to dive into cost and care drivers (utilizing carrier reporting, Analytics platforms, or HUB proprietary platforms).

  • 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.

  • Competence in reviewing financial models and building own models.

  • Assist clients as well as sales and production teams (client meetings, prospect presentations, speaking opportunities)

Key Competencies:

To perform the job successfully, an individual should demonstrate the following 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. Understanding of claim utilization and ability to engage clinical or pharmacy teams for deeper dives. Understanding of the carrier, TPA, Stop Loss markets.

  • 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 (Tableau, Power BI, SQL, Alteryx…).

  • 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 and strengthens HUB teams.

Qualification Requirements:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience:

  • 10-15 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.

  • Working knowledge of claim analytics platforms (CedarGate, Artemis, Verscend, Springbuk, NavMD, other…)

  • 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.

Other Requirements:

Must hold a valid Life Agent license or will obtain.

Language Skills:

Ability to read and interpret documents such as contracts, benefit summaries, bid specifications, legislation and procedure manuals. Ability to write routine reports and business correspondence clearly and without grammatical errors. Ability to speak effectively before groups of customers or employees of organization.

Math Skills:

Knowledge of employee benefits and underwriting principles along with strong mathematical and financial skill set.

Reasoning Ability:

Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with abstract and concrete variables.

Computer Skills:

To perform this job successfully, an individual must be proficient in Microsoft Office including Excel, Word and Power Point. Knowledge and prior use of Project Management software is preferred.

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • While performing the duties of this Job, the employee is regularly required to talk or hear. The employee is frequently required to stand; walk; sit and use hands to finger, handle, or feel.

  • The employee must occasionally lift and/or move up to 10 pounds.

  • Specific vision abilities required by this job include Close vision and Distance vision.

  • Some travel required by car or plane about 10% of the time to meet with clients and other outside events.

Work Environment:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.


$150,000 - $180,000

Department Account Management & Service

Required Experience: 10-15 years of relevant experience

Required Travel: Up to 25%

Required Education: Bachelor's degree (4-year degree)

HUB International Limited is an equal opportunity and affirmative action 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. The EEO is the Law poster and its supplement is available here at

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