Senior Underwriting Consultant - Employee BenefitsWilmington, MA

About HUB

Join our Stevie Award Winning Team at HUB International!

When you join the team at HUB International, you become part of the largest privately owned global insurance broker, providing a broad array of property, casualty, risk management, life and health, employee benefits, investment and wealth management products and services. Becoming a part of HUB means that you thrive in an entrepreneurial and fast paced team environment supported by over 14,000 professionals in 500 offices across North America.

We help businesses evaluate their risks and develop solutions tailored to their needs. We believe in empowering our employees. As a global firm, we offer employees resources in both technology and industry expertise, but we still maintain the local flavor of our offices. Our structure enables our teams to maintain their own unique, regional culture.

We currently have an opportunity for a Senior Underwriting Consultant . 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.


  • 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)


  • 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.


  • 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.


Department Account Management & Service

Required Experience: 7-10 years of relevant experience

Required Travel: No Travel Required

Required Education: High school or equivalent

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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