[Hiring] Employee Benefits Underwriting Consultant @World Insurance Associates.

Role Description

World Insurance is seeking an Employee Benefits Underwriting Consultant to join our Underwriting & Analytics team. In this role, you will be responsible for:

• Evaluating and pricing employer-sponsored health and welfare programs.
• Supporting service, sales, and clients with data-driven insights.
• Ensuring competitive, accurate, and compliant financial recommendations.
• Partnering closely with internal teams, carriers, and vendors to deliver optimal plan strategies.
• Developing advanced financial models and assessing utilization and risk trends.
• Translating complex financial and contractual data into clear, actionable insights.
• Mentoring analysts and providing direction on projects.
• Delivering high-quality financial deliverables and guiding data-driven decision-making for clients.

Qualifications

• 2-5+ years of experience in employee benefits underwriting or actuarial services.
• Bachelor’s degree, CEBS/other professional designation or equivalent work experience required.
• Life & Health insurance license (or willingness to obtain within an agreed timeframe).
• Ability to work in a fast-paced remote environment with some oversight and a high degree of accuracy and attention to detail.
• Advanced proficiency in Microsoft Excel (formulas, modeling, formatting) and strong skills in Word and other MS Office tools such as PowerBI.
• Understanding and/or prior use of Claros, Blue Raven, or other actuarial modeling tools is ideal.
• Technical experience with BenefitPoint, AI, Benefit Administration Systems, and Carrier Portals is preferred.
• Strong analytical, problem-solving, and critical thinking abilities, with the ability to work with complex data and variables.
• Excellent written, oral, and interpersonal communication skills.
• Team-oriented, client-focused, and able to build effective working relationships with colleagues, carriers, and clients.
• Commitment to staying current on industry trends, regulations, and emerging products.

Requirements

• Analyze medical, pharmacy, stop loss, dental, and vision experience to develop renewal projections and rate recommendations.
• Serve as the primary underwriting resource for assigned clients (typically 250–5,000+ employees).
• Refine and maintain underwriting models for fully insured and self-funded clients.
• Evaluate plan design changes, contribution strategies, and funding arrangements.
• Support RFP processes, including carrier negotiations and financial comparisons.
• Interpret and communicate underwriting results to consultants and clients.
• Identify cost drivers, trends, and risk factors impacting plan performance.
• Collaborate with PBMs, stop-loss carriers, and other vendors to optimize pricing and structure.
• Ensure compliance with underwriting standards, regulatory requirements, and internal policies.
• Assist in developing client presentations and financial exhibits.
• Provide strategic financial insight to sales and service teams.
• Participate in client strategy discussions and presentations.
• Develop and model alternative plan designs, funding structures, and cost-containment strategies.
• Partner closely with internal sales, service, and SME teams to develop comprehensive benefit strategies.
• Ensure proper utilization of department’s financial and management systems.
• Support new business pursuits by providing financial analysis, proposal comparisons, and underwriting insights.
• Be an internal resource for peer review processes for the team.
• Mentor and provide technical guidance to junior analysts and underwriting team members as needed.
• Perform other strategic and analytical responsibilities as assigned.

Benefits

• Competitive benefits package.
• Variable pay programs.

Compensation

This position is located in New Jersey. The base salary for this position at the time of this posting may range from $85,600 to $105,800. Individual compensation varies based on job-related factors, including business needs, experience, level of responsibility, and qualifications.