Senior Underwriter, Accident & Health

Tokio Marine HCC; Minnetonka (MN); On-site; USD 120,000 - 180,000; Full time

Benefits offered by this job

Competitive salary and benefits

20 days PTO (pro-rated)

11 paid holidays

Volunteer day

Floating holidays

401(k) with company matching

Educational/loan assistance

Job summary

WorldTrips, a proud member of the Tokio Marine HCC group, seeks a Senior Accident & Health Underwriter to review underwriting data and guide profitable growth in international medical and travel insurance. You will develop strategic plans, collaborate with senior leadership, and maintain strong relationships with brokers and partners.

Responsibilities include evaluating submissions, leading product development, ensuring regulatory compliance, and producing monthly reports.

Qualifications

• Bachelor's degree or equivalent experience.
• Five years of Accident & Health Insurance underwriting experience preferred.
• Strong communication and presentation abilities to engage leadership.

Responsibilities

• Build, manage, and maintain a profitable International Medical and Travel Insurance book.
• Review and monitor new and renewal underwriting submissions.
• Develop strategic underwriting and portfolio plans with cross-functional partners.
• Provide technical underwriting expertise and market intelligence.
• Lead product development and rating methodology initiatives.
• Ensure compliance with domestic and international insurance laws.
• Prepare monthly underwriting reports and ad hoc analyses.
• Collaborate with Sales, Product, Operations, Compliance, and Actuarial teams.
• Evaluate complex opportunities to determine risk acceptability.
• Support P&L management and portfolio performance analysis.

Skills

Analytical skills

Financial acumen

Negotiation

Interpersonal skills

Written & verbal communication

Microsoft Excel

Portfolio management

Strategic thinking

Education

Bachelor's degree

Tools

Microsoft Office

Job description

At WorldTrips, a proud member of the Tokio Marine HCC group of companies, we believe in more than just business—we believe in empowering our people. As a global leader in specialty travel medical and trip protection insurance, we are passionate about preparing travelers for the unpredictable while fostering a work environment where bold ideas and transformative solutions are valued at every level. Our mission, "To Be a Good Company," reflects our commitment to people and community, recognizing the importance of giving back and driving positive change.

Tokio Marine HCC offers a competitive salary and a generous employee benefit package that includes among other benefits, subsidized medical, prescription, dental, vision and basic life and disability insurance, employee assistance program, paid parental leave, 401(k) plan with Company matching contributions and educational/loan assistance. Subject to local and state laws governing the accrual of paid time off (PTO), Employees will receive 20 days of PTO, prorated for the current year based on date of hire. Employees annually receive approximately 11 paid holidays, one paid volunteer day, and up to two paid floating holidays.

The Adventure Ahead

The Senior Accident & Health Underwriter is responsible for reviewing and analyzing underwriting data to ensure a profitable book of International Medical and Travel Insurance business. Acting within established underwriting guidelines, this role evaluates new and renewal accounts, processes underwriting activities, and monitors portfolio performance.

In addition to core underwriting responsibilities, this position develops and executes strategic underwriting and portfolio plans, across product development, distribution, fulfillment, and overall portfolio financial performance, working closely with senior leadership and cross-functional partners.

• Build, manage, and maintain a profitable book of International Medical and Travel Insurance business
• Review, analyze, evaluate, and monitor new and renewal underwriting submissions
• Provide technical underwriting expertise and market intelligence to internal stakeholders
• Foster and grow strong relationships with partners, brokers, and producers
• Lead product development and refinement initiatives, including plan design and rating methodologies
• Participate in P&L management, portfolio performance analysis, and process efficiency initiatives
• Ensure compliance with applicable domestic and international insurance laws and regulations
• Document departmental activities and develop underwriting guidelines and control processes and Partner with Sales, Product, Operations, Compliance, and Actuarial teams to enhance or modify existing products and programs
• Review and evaluate complex opportunities or programs to determine risk acceptability and coverage levels; collaborate with Actuarial for approvals as needed
• Prepare and update monthly underwriting reports by line of business; Create ad hoc reports and analyses as required
• Issue proposals for new business opportunities

Skills And Experience Needed

• Bachelors degree in a related field, or the equivalent education and /or experience
• Collaborative team player with a proactive mindset
• Demonstrated initiative and ability to work independently
• Minimum of five years of experience in Accident & Health Insurance Underwriting preferred
• Proven negotiation and interpersonal skills and experience, with a strong track record in growth of new business and retaining renewal business while delivering target financial results.
• Excellent written and verbal communication skills, including interaction with senior management and external partners, along with presentation abilities to convey complex information clearly to engage decision-makers at all organizational levels
• Excellent analytical skills; demonstrated financial acumen and high attention to detail and accuracy in a fast-paced, dynamic environment
• Advanced knowledge of industry changes, legal updates, and technical developments related to applicable area of the Company’s business to proactively respond to changing business environment
• Advanced proficiency and experience using Microsoft Office package (Excel, Access, PowerPoint, Word)

Join the WorldTrips team, where your success is our priority.

Equal Opportunity Employer

TMHCC is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship, color, family or medical care leave, gender identity, genetic information, marital status, medical condition, national origin, physical or mental disability, protected veteran or military status, race, ethnicity, religion, sex, including pregnancy, sexual orientation, or any other characteristic protected by applicable local laws, regulations, and ordinances.