Senior Financial Consultant (Employee Benefits Underwriting)
Job Location:
Wilmington, DE - USA
Monthly Salary:
Posted:
Application Deadline:
Vacancies:
Job Summary
Discover a Career That Empowers You - 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.
In 2026 Newsweek named us one of Americas Greatest Workplaces for Culture Belonging and Community and one of Americas Most Patriotic Companies. We were recognized among the top 20 Best Finance Companies to Work For as rated by women and our internship program earned a fourth place ranking in Vaults 2026 Best Internships for Insurance. These are not just awards. They are a reflection of the daily choices our people make to show up for each other and for the clients we serve.
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 worlds largest insurance brokerages with over 540 locations and more than 20000 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.
We currently have an opportunity for a Senior Underwriting Consultant join our Employee Benefits team in one of our MA NH or ME offices on a Hybrid work schedule.
Overview:
The Senior Underwriting Consultant identifies reviews evaluates and prices risk for clients and prospects based in HUB Internationals 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 andlong-rangefinancial 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 theyare deliveredto 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:
5 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.
Bachelors degree or equivalent combination of education and experience.Preference willbe givento candidates with brokerage or insurance carrier underwriting or account management experience.
Life/Accident/Health brokers 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.
What We Offer You
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
Ready to take the next step Apply today.
The expected salary range for this position is $120476 to $150000 and will be impacted by factors such as the successful candidates skills experience and working location as well as the specific positions 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.
Department Account Management & ServiceRequired Experience: 7-10 years of relevant experienceRequired Travel: NegligibleRequired Education: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 veterans status or any other characteristic protected by local state or federal laws rules or regulations.
We endeavor to make this website accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process please contact the recruiting team. This contact information is for accommodation requests only; do not use this contact information to inquire about the status of applications.
Required Experience:
Senior IC
About Company
HUB International is a leading North American insurance brokerage that provides employee benefits, business, and personal insurance products and services.
