Employee Benefits Sales Underwriter

USI Insurance Services; Center Square (PA); Hybrid; USD 90,000 - 140,000; Full time

Job summary

USI Insurance Services seeks a client-facing professional to analyze information and help design financial solutions for prospective clients with complex benefit programs. You will support sales executives, work with service teams to articulate client objectives, and provide expert underwriting and cost analyses.

The role emphasizes data analytics, market trend interpretation, and presenting actionable recommendations.

Qualifications

• Client-facing professional with 10+ years in employee benefits or related field.
• Must hold or be willing to obtain a state Life & Disability insurance license.
• Broad knowledge of the insurance industry and financial concepts.

Responsibilities

• Act as a resource for sales executives and develop strategic plans for prospects and large clients.
• Collaborate with service teams to articulate objectives and deliver proactive solutions.
• Provide expert underwriting review and financial insight to clients and prospects.
• Explain external market influences and internal experience trends driving benefit costs.
• Lead company financial analysis and discuss results during finalist presentations.
• Use data analytics tools and demonstrate value to clients.
• Mentor junior analysts and help develop team standards and processes.

Skills

Client-facing

Financial analysis

Underwriting review

Data analytics

Communication

Analytical skills

Team collaboration

Education

High School Diploma

College degree preferred

Tools

Excel

Word

Adobe

Job description

Description and Requirements

Requirements

Description and Requirements

General Description: Client-facing position that acts as an engaged participant in the sales process. Responsible for independently analyzing information to create and assist with delivery of financial solutions for prospective clients and clients with complex benefit programs.

Responsibilities

• Act as a resource for sales executives. Develop strategic plans and solutions for prospects and larger clients.
• Work closely with service team members to ensure clients’ strategic objectives are clearly articulated. Deliver proactive solutions.
• Work with prospects and larger clients to provide expert underwriting review and technical insight. Provide guidance on financial concepts, financial solutions, and other analytical materials.
• Understand and expertly explain external market influences and internal experience trends driving benefit costs to clients.
• Participate in finalist sales presentations for prospective clients. Lead company financial analysis and discussions.
• Use and present data analytics tools, including demonstrations, as needed.
• May analyze and prepare financial reporting packages for larger clients. Reporting packages may include:
• Claims utilization, trend, and lag analyses
• Rate and Contribution analysis and modeling
• Market analysis
• Financial funding analysis
• Renewal rate and funding projections and modeling
• Technical claims review with utilization metrics, gaps in care and cost modeling
• Benchmarking
• IBNR and lag analyses
• Utilize analytical tools to develop alternative funding and network strategies, plan design modeling, and cost reduction opportunities.
• Perform technical review of group insurance contracts and financial arrangements.
• Provide leadership responsibilities as identified by Team Lead. Includes independent development of tools and processes and research and development of future best practices.
• Assist with development of team standards and processes.
• Assist with training and mentorship of junior team members.
• Maintain analytical skill set and knowledge to act as a resource for the team.
• Participate in the peer review process as a participant and reviewer. Mentor all level analysts via their reviewed work.
• Develop and maintain excellent carrier relationships.
• Keep current on industry and new product information, legislation, technology, and trends.

Knowledge, Skills And Abilities

• 10 years + experience in employee benefits or related field.
• High School Graduate. College degree preferred.
• Must hold or be willing to obtain a state Life & Disability insurance license.
• Broad knowledge of insurance industry.
• Ability to negotiate with strong mathematical skills.
• Ability to work in a fast-paced, team environment with minimal instruction.
• Detail-oriented with strong organizational skills.
• Ability to manage and negotiate multiple priorities and deadlines.
• Strong written, verbal, and interpersonal communication skills.
• Strong functional knowledge of Adobe and Microsoft Office products, including Excel and Word.
• Advanced problem solving and critical thinking skills.
• Ability to carry out complex tasks with many concrete and abstract variables.

Why USI?

With approximately $3 billion in revenue and over 10,500 associates across approximately 200 offices nationwide, USI is one of the largest insurance brokerage and consulting firms in the world. At USI, we have created one of the most dynamic personal and professional development cultures in the industry. We invest heavily in our associates, and we take pride in celebrating their growth and success through our one‑of‑a‑kind employee reward and recognition programs.

Unrivaled Resources and Support

What truly distinguishes USI as a premier insurance brokerage and consulting firm is the USI ONE Advantage , a game‑changing value proposition that delivers to clients a robust set of risk management and benefit solutions with bottom‑line financial impact. USI ONE represents Omni, Network, Enterprise- the three key elements that set USI apart from the competition. Through USI ONE, we develop strategic, timely, and effective risk management and benefit programs in terms that are easy to understand, and we demonstrate how the solutions can have a positive economic impact.

Industry‑Leading Programs, Rewards, and Recognition

In addition to competitive pay, incentives, and benefits, USI recognizes associates through our Summit Awards program, rewarding excellence in those who build our brand each day. USI offers employee programs that recognize outstanding achievement and help our associates lead healthy, productive lives. We turn care into action with our award‑winning wellness program, college scholarships for associates' children, and financial help in times of need.

Deep Community Engagement

We are committed to giving back to our local communities and supporting a culture of environmental sustainability. From sharing our time, talent, and resources to support local non‑profit organizations, animal shelters, and environmental beautification and restoration projects – to partnering with eco‑conscious vendors and taking steps to reduce our own environmental footprint – we’re working together as ONE to build a better future.

Committed to a Diverse and Inclusive Workplace

Our award‑winning I’m With U diversity and inclusion program educates our associates to help them better understand and serve our clients, prospects, fellow team members, and local communities through curated education and training resources, employee support programs, and community outreach initiatives to build a more diverse, equitable, and inclusive culture.

Nationally Recognized as a Top Insurance Employer

• Recognized as one of Insurance Business America’s Top Insurance Employers eight consecutive years (2018-2025).
• Named to Business Insurance’s annual list of the Best Places to Work in Insurance six years in a row (2020-2025).
• Named to Fortune’s Best Workplaces in Financial Services & Insurance list for the last two years (2024-2025).
• Certified as a Great Place To Work two years in a row (2024-2025).

Visit our Awards and Accolades page for a complete list of our latest industry awards and recognitions!

USI is committed to providing a full‑suite of competitive benefits for our growing population and its diverse needs. We offer a wide range of health, welfare and financial benefits including medical, wellness, dental and vision, 401(k), flexible spending and health savings accounts, short and long‑term disability, life insurance and other unique employer‑sponsored and voluntary programs. USI also offers a generous paid time off policy, paid family leave benefit as well as paid holiday time .