Senior Underwriter, Accident & Health

About the role

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.

Responsibilities

• 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
• 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

Requirements

• Bachelor’s 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)

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
• Educational/loan assistance
• 20 days of PTO, prorated for the current year based on date of hire
• Approximately 11 paid holidays, one paid volunteer day, and up to two paid floating holidays