Senior Underwriter- Employee Benefits (Northern, CA)

Come join our team!

There are many reasons why EPIC Insurance Brokers & Consultants has become one of the fastest-growing firms in the insurance industry. Fueled and driven by capable, committed people who share common beliefs and values and “bring it” every day, EPIC is always looking for people who have “the right stuff” – people who know what they want and aren’t afraid to make it happen.

Headquartered in New York City and founded in 2007, our company has over 3,000 employees nationwide. With locations spread out across the U.S., our local market knowledge and industry expertise helps support our clients' regional and global needs. We have grown very quickly since our founding, and we continue to see growth and success thanks to our hard-working and growth-minded employees. 

Our core values are: Owner mindset, Inspire trust, Think big, and Drive results. If these values and growth align with what you're looking for in your next career? Then consider joining our amazing team!

Senior Underwriter – Employee Benefits

Location: Periodic in-office presence in any of one of our Northern, CA offices (roughly one day a week) is required for internal events, carrier meetings, and client meetings, as needed.  Please refer to our EPIC office locations:https://www.epicbrokers.com/about/locations/

Department: Employee Benefits
Reporting To: Lead Underwriter
Travel: Travel may be required (approximately 5–15 trips per year; typically day trips or overnight)

SUMMARY

The Senior Underwriter is a senior-level role responsible for evaluating, analyzing, and managing complex employee benefits underwriting and financial analytics for EPIC clients. This position partners closely with consultants, producers, and client service teams to deliver strategic, data-driven solutions for level funded and self-funded benefit programs.

The Senior Underwriter leverages deep industry knowledge, advanced analytical skills, and strong carrier relationships to support client objectives. This role also provides mentorship and oversight to underwriting and analytical support staff and plays a key role in advancing EPIC’s value proposition.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Collaborate with consultants, producers, and account teams to prepare and deliver client-facing financial analyses and presentations
• Assess complex client risk by analyzing demographics, claims experience, utilization, and market conditions
• Apply underwriting judgment to develop sound recommendations
• Project client claims experience to develop budgets, funding strategies, benefit costs, and IBNR reserves
• Analyze and negotiate stop loss renewals and proposals for financial accuracy, contract terms, and competitiveness
• Submit coverage specifications and obtain, compare, and evaluate quotes from potential stop loss carriers
• Serve as the primary underwriting contact with carriers and vendors fostering and maintaining strong relationships
• Prepare executive summaries that clearly communicate observations, conclusions, recommendations, and next steps
• Utilize EPIC’s standard underwriting tools, templates, and analytical models to develop alternative strategies, plan modeling, and cost-saving opportunities
• Identify opportunities to expand client relationships through additional product or service solutions
• Support client retention by delivering high-quality underwriting support and consultative insights
• Manage and provide guidance to underwriting and analytical support staff; mentor junior team members
• Assist service teams in educating clients regarding utilization trends, experience reporting, carrier tools, and self-funding concepts
• Stay current on industry trends, legislation, funding arrangements, and carrier product developments
• Participate in internal initiatives, peer review processes, and special projects as assigned

KEY COMPETENCIES

• Advanced knowledge of employee benefits coverages and funding arrangements
• Strong underwriting, financial modeling, and analytical skills
• Ability to interpret and explain complex data to both technical and non-technical audiences
• Excellent written, verbal, and presentation skills
• Proven negotiation skills with carriers and vendors
• Strong project management, prioritization, and time management abilities
• Ability to work effectively both independently and collaboratively in a fast-paced environment
• High attention to detail and commitment to accuracy
• Proficiency in Microsoft Office applications, particularly Excel, Word, and PowerPoint
• Ability to navigate carrier portals, data analytics platforms, and EPIC analytical tools

 

EDUCATION AND EXPERIENCE

• Bachelor’s degree required
• Seven (7) or more years of experience in employee benefits underwriting, financial analysis, or a related role within a brokerage/consulting firm.
• Demonstrated experience underwriting both fully insured and self-funded benefit programs
• Experience supporting mid-sized to large, multi-state clients preferred
• Prior experience mentoring or leading junior underwriting or analytical staff strongly preferred

 

CERTIFICATES, LICENSES, REGISTRATIONS

• Active State Life and Health insurance license required (or ability to obtain within an agreed-upon timeframe)
• Valid driver’s license required (for client and carrier travel)

 

WORK LOCATION & FLEXIBILITY

This is a remote-first role. Daily job responsibilities may be performed from home. The Senior Underwriter is expected to attend in-person meetings and events as necessary, including but not limited to:

• Internal team or company events
• Carrier meetings
• Client meetings and presentations

The national average salary for this role is 135,000 to $150,000 in base pay and exclusive of any bonuses or benefits. The base pay offered will be determined based on your experience, skills, training, certifications and education, while also considering internal equity and market data.

 

PHYSICAL DEMANDS

The physical demands described here are representative of those required to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform these functions.

While performing the duties of this job, the employee is regularly required to sit, stand, walk, use hands to handle or feel, reach with hands and arms, and communicate verbally. Vision requirements include close vision, color vision, and the ability to adjust focus. Ability to travel independently is required.

 

WORK ENVIRONMENT

The work environment is primarily a professional office or home-office setting. The noise level is typically moderate, and there is little to no exposure to physical risk.

 

WHY EPIC: 

EPIC has over 60 offices and 3,000 employees nationwide – and we’re growing! It’s a great time to join the team and be a part of this growth. We offer:

• Generous Paid Time off
  • Managed PTO for salaried/exempt employees (personal time off without accruals or caps); 22 PTO days starting out for hourly/non-exempt employees; 12 company-observed paid holidays; 4 early-close days
• Generous leave time options: Paid parental leave, pregnancy disability and bonding leave, and organ donor/bone marrow donor leave
• Generous employee referral bonus program of $1,500 per hired referral
• Employee recognition programs for demonstrating EPIC’s values plus additional employee recognition awards and programs (and trips!)
• Employee Resource Groups: Women’s Coalition, EPIC Veterans Group
• Professional growth & development: Mentorship Program, Tuition Reimbursement Program, Leadership Development
• Unique benefits such as Pet Insurance, Identity Theft & Fraud Protection Coverage, Legal Planning, Family Planning, and Menopause & Midlife Support
• Additional benefits include (but are not limited to): 401(k) matching, medical insurance, dental insurance, vision insurance, and wellness & employee assistance programs
• 50/50 Work Culture: EPIC fosters a 50/50 culture between producers and the rest of the business, supporting collaboration, teamwork, and an inclusive work environment. It takes both production and service to be EPIC!
• EPIC Gives Back – Some of our charitable efforts include Donation Connection, Employee Assistance Fund, and People First Foundation
• We’re in the top 10 of property/casualty agencies according to “Insurance Journal”

To learn more about EPIC, visit our Careers Page: https://www.epicbrokers.com/about/epic-careers/. 

 

EPIC embraces diversity in all its various forms—whether it be diversity of thought, background, race, religion, gender, skills or experience. We are committed to fostering a work community where every colleague feels welcomed, valued, respected and heard. It is our belief that diversity drives innovation and that creating an environment where every employee feels included and empowered, helps us to deliver the best outcome to our clients. 

California Applicants - View your privacy rights at: https://www.epicbrokers.com/wp-content/uploads/2025/01/epic-ca-employee-privacy-notice.pdf. 

Massachusetts G.L.c. 149 section 19B (b) requires the following statement: It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability. 

#LI-LL1 #LI-Hybrid

 

 

Client-provided location(s): Concord, CA

Job ID: 8502719002

Employment Type: OTHER

Posted: 2026-04-10T23:33:25