Senior Underwriter

Tokio Marine HCC – A&H Group; Town of Texas (WI); On-site; USD 79,400 - 175,300; Full time

Benefits offered by this job

401(k) plan with 6% company match

20 days of PTO

Student loan matching program

Paid parental leave

Job summary

Tokio Marine HCC – A&H Group is seeking an Underwriter to make underwriting decisions, protect financial assets, and develop producer relationships. The role requires a minimum 4-year degree in a related field and 5 years of relevant experience.

The ideal candidate will exhibit strong skills in Medical Stop Loss Underwriting, strategic thinking, and relationship building, with additional preferences for certification progress toward CEBS, FLMI, or CLU.

Competitive salary package offered, complemented by comprehensive benefits, an unprecedented learning culture, and opportunities for career advancement.

Qualifications

• 5 Years relevant and progressive professional experience is required.
• Demonstrated expertise in Medical Stop Loss Underwriting is crucial.
• Ability to read and interpret relevant documents like plan of benefits.

Responsibilities

• Make underwriting recommendations to protect financial assets.
• Evaluate risk acceptability within established guidelines.
• Communicate with external parties to build productive relationships.

Skills

Medical Stop Loss Underwriting

Strategic thinking

Relationship building

Writing and communication

Analytical skills

Education

4-Year/Bachelor’s Degree in Business Administration, Accounting, Finance or related field

Tools

Microsoft Office (Excel, PowerPoint, Word, Outlook, Teams)

Job description

Tokio Marine HCC is a global industry‑leading specialty insurance group, backed by the strength and stability of the Tokio Marine Group. Offering over 100 classes of specialty insurance, we empower clients to pursue opportunities confidently through our “Mind Over Risk” philosophy.

At our core, we are Always Advancing, driven by innovation and an entrepreneurial spirit that keeps us moving forward. Our people are Experts in Tomorrow, using curiosity and smart working to anticipate what’s next. With a culture rooted in Reaching Out, we foster genuine collaboration and support, ensuring every individual has the opportunity to succeed and make a difference.

Role Overview

Makes underwriting recommendations and decisions to protect the financial assets of the company and the carrier. Reviews proposal requests to evaluate, classify, and rate each risk to determine acceptability, coverage, and pricing. Establishes, maintains, and develops producer relationships. Works with expanded underwriting authority and business development responsibility.

Key Responsibilities

• Meet annual company goals for profitability, renewal retention, revenue growth, new business production and customer service standards.
• Evaluate risk acceptability within established guidelines and set appropriate rates and factor levels.
• Analyze proposed plan changes to determine acceptability and cost.
• Work in conjunction with the Sales department to follow up on quoted cases.
• Communicate with third‑party administrators, brokers, and other external parties to collaborate on strategy, answer questions, explain decisions, deal with issues, build and maintain productive relationships, and respond appropriately and in a timely manner to service requests.
• Work collaboratively with management, internal departments, and other parties as necessary to respond to customer needs and deliver exceptional customer experiences.
• Complete requests for proposals (RFPs) promptly and follow up for status and competitive information.
• Train and mentor Underwriters, and other internal and external personnel as assigned.
• Travel to visit external and internal partners for growth and business development as needed.
• Participate in and complete projects and other activities as assigned.
• Participate in leadership and growth programs when assigned or nominated.

What You Bring

• 4‑Year/Bachelor’s Degree in Business Administration, Accounting, Finance, a related field, or the equivalent education and/or experience.
• Prefer work toward Certified Employee Benefits Specialist (CEBS), Fellow of the Life Management Institute (FLMI), or Chartered Life Underwriter (CLU) certification(s).
• 5 Years relevant and progressive professional experience.
• Demonstrated expertise, knowledge, and proficiency in Medical Stop Loss Underwriting.
• Demonstrates strategic thinking, anticipation, proactivity, and relationship building skills.
• Ability to read and interpret documents such as plan of benefits, bid specifications, claim reports, and procedural manuals.
• Possess and have the ability to apply knowledge of principles, practices, and procedures.
• Solid written and verbal communication skills with an emphasis on confidentiality, tact, and diplomacy.
• Strong critical thinking and negotiating skills.
• Advanced organization and analytical skills; demonstrated ability to manage multiple tasks simultaneously and work effectively under time pressure.
• Knowledge of insurance industry and Company’s business.
• Intermediate proficiency and experience using Microsoft Office package (Excel, PowerPoint, Word, Outlook, Teams, etc.).
• Collaboration skills and ability to work in a highly team‑oriented environment.
• Adaptability and willingness to learn.
• Strong organizational skillset.
• Preferred: previous knowledge and experience using Young Consulting’s ESLOffice or equivalent.
• Preferred: basic knowledge of medical terminology.

Additional Working Conditions And Physical Demands

• Overtime hours may be required to fulfill job responsibilities.
• May be required to remain stationary for extended periods of time.
• May be required to move up to 10 pounds.
• Must be able to operate a computer and other devices.
• Close vision and ability to adjust focus, such as required to read a computer screen.
• Occasional travel up to 10% of the time.

What We Offer

• Competitive salary and comprehensive benefit package.
• Strong learning culture with ongoing development opportunities.
• Opportunities for growth and career advancement.
• Comprehensive medical, vision, and dental coverage, with eligibility beginning on your first day of employment.
• Basic life and disability insurance.
• 401(k) plan with 6% company match.
• 20 days of PTO, two floating holidays, approximately 11 paid holidays, and volunteer time off.
• Paid parental leave.
• Access to our award‑winning wellness program, including mental health services, fitness network membership, and a complimentary Headspace subscription.
• Student loan matching program.
• Employee discount program.
• An opportunity to do meaningful work and love what you do.

Pay Range: $79,400-175,300 – geographic adjustments applicable. The company will offer pay within the entire range based on geographic location, qualifications, work experience, education, and skill level.

Equal Employment Opportunity. The Company is fully committed to ensuring equal pay opportunities for equal work regardless of color, race, sex, national origin, sexual orientation, religion, age, veteran status, disability, pregnancy, citizenship status, genetic information, or any other basis protected by federal, state, or local pay equity laws. The Company will consider for employment all qualified applicants, including those with criminal histories, in a manner consistent with applicable laws.

About Us

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, the United Kingdom, Europe, and other locations. With the strength and stability that comes from being a member of the Tokio Marine Group, we offer specialized insurance products that most people don’t even know exist. For over 50 years, HCC Life Insurance Company, operating as Tokio Marine HCC – A&H Group, has been at the forefront of medical stop loss insurance. The company is a good company, dedicated to opportunity, innovation, and a collaborative culture.