risk underwriter

Ageas Insurance Limited

<p><strong>Job Title</strong>: Risk & Governance Underwriter<strong>Target Start Date:</strong> ASAP<strong>Contract Type:</strong> Permanent, Part Time, Full Time, Job Share option available<strong>Salary Range:</strong> £35,000 - £40,000 Dependant on experience<strong>Location:</strong> Eastleigh - Hybrid, Flexible<strong>Closing Date for applications: </strong>Friday 7th November</p> <p><strong>Risk & Governance Underwriter:</strong> Ageas Insurance has an exciting opportunity available for a Risk & Governance Underwriter. As a Risk & Governance Underwriter, you will be heavily involved in the creation and completion of robust and well evidenced fair value assessments at all stages of a product's lifecycle, which will encompass new product approval, significant change approval, and in-life review.</p> <p>The Risk & Governance Underwriter will contribute to the robust oversight of Ageas' products, and the value they offer to our customers. This oversight will cover how Ageas' products are designed, how they operate and are utilised, and how they are distributed to customers. <strong>Main Responsibilities as Risk & Governance Underwriter:</strong></p> <ul> <li>You will also be involved in governing how Ageas' products are distributed to customers, and how distributors and co-manufacturers meet their own regulatory requirements, and the risk appetite of Ageas (including, but not limited to, remuneration).</li><li>Contributing to overall reporting, ensuring your areas of focus are added to, and compliment, a holistic view of products and distribution. Concerns should be called out at all stages.</li><li>Involvement in recommending appropriate actions to address concerns and improve customer outcomes. Actions may be internal, external, or a combination of the two, and can be investigative, corrective, or preventative in nature.</li><li>Supporting the completion of other regular and ad-hoc regulatory tasks, including, but not limited to, MID compliance.</li><li>Supporting and leading on the management of Risk Events and UW operational risks, as appropriate.</li></ul> <p><strong>Skills and experience you need as Risk & Governance Underwriter:</strong></p> <ul> <li>A good degree of numeracy, alongside analytical skills, and the ability to interpret and present data for a wide audience.</li><li>Ability to interpret detailed information and explain it in a clear and logical way.</li><li>Proactive, self-motivated, and able to work with minimal supervision, with a desire to learn.</li><li>An understanding of the regulatory environment of the insurance market (especially Consumer Duty and PROD) and what may impact Ageas' ability to meet its requirements.</li><li>An understanding of insurance products and their distribution, including how products designed, sold, and administered, and the relationship between a distributor and manufacturer.</li></ul> <p>At Ageas we offer a wide range of benefits to support you and your family inside and outside of work, which helped us achieve, <strong>Top Employer</strong> status in the UK.<strong>Here are some of the benefits you can enjoy at Ageas: </strong></p> <p><strong>Flexible Working-</strong> Smart gives employees flexibility around location (as long as it's within the UK) and, for many of our roles, flexibility within the working day to manage other commitments, such as school drop offs etc. We also offer all our vacancies part-time/job-shares. We also offer a minimum of 35 days holiday (inc. bank holidays) and you can buy and sell days.</p> <p><strong>Supporting your Health- </strong>Dental Insurance Health Cash Plan, Health Screening, Will Writing, Voluntary Critical Illness, Mental Health First Aiders, Well Being Activities - Mindfulness.</p> <p><strong>Supporting your Wealth- </strong>Annual Bonus Schemes, Annual Salary Reviews, Competitive Pension, Employee Savings, Employee Loans.</p> <p><strong>Supporting you at Work- </strong>Well-being activities, mindfulness sessions, Sports and Social Club events and more.</p> <p><strong>Supporting you and your Family-</strong>Maternity/pregnant parent/primary adopter entitlement of 16 weeks at full pay and paternity/non-pregnant parent/co-adopter at 8 weeks' full pay.</p> <p><strong>Benefits for Them-</strong> Partner Life Assurance and Critical Illness cover.</p> <p><strong>Get some Tech-</strong> Deals on various gadgets including Wearables, Tablets and Laptops.</p> <p><strong>Getting around-</strong> Car Salary Exchange, Cycle Scheme, Vehicle Breakdown Cover.</p> <p><strong>Supporting you back to work-</strong> Return to work programme after maternity leave.</p> <strong>About Ageas:</strong>We are one of the largest car and home insurers in the UK.<strong>Our People</strong>help Ageas to be a thriving, creative and innovative place to work. We show this in the service we provide to over four million customers.As an inclusive employer, we encourage anyone to apply. We're a signatory of the <strong>Race at Work Charter</strong> and <strong>Women in Finance Charter</strong>, member of <strong>iCAN</strong> and <strong>GAIN</strong>. As a <strong>Disability Confident Leader</strong>, we are committed to ensuring our recruitment processes are fully inclusive. That means if you are applying for a job with us, you will have fair access to <strong>support and adjustments</strong> throughout your recruitment experience. If the list does not cover the support you need, please contact our Recruitment Team to discuss how they can help. We also guarantee an interview for applicants with a disability who meet the minimum criteria for the role. For more information, please see <strong>Ageas Everyone</strong><strong>.</strong>We have a zero-tolerance approach towards any form of harassment during the recruitment process, ensuring that everyone is treated with respect and professionalism.Our aim is to have great people everywhere in our business and we're always looking for outstanding people to join us. Most roles across Ageas a

Risk & Governance Underwriter

Cigna

<p>Learn to assess claims history, medical disclosures, or other relevant data to make informed decisions.</p> <p>Prepare Table of Benefits and inception documents for renewals and new business inceptions.</p> <p>Learn market dynamics; understanding the competition, the environment and clients needs.</p> <p>Support in ensuring UW guidelines meet compliance requirements from a pricing and benefit point of view.</p> <p>Participate in problem solving activities to define problems, identify root causes, suggest solutions for continuous improvements of processes and procedures to work more efficiently and effectively.</p> <p>Utilize and adhere to internal guidelines and procedures to ensure that all assigned work is processed in timely manner and meet compliant standards.</p>

Risk & Underwriter Associate Analyst

Geisinger

<b>Job Title: </b>Underwriter Senior, Geisinger Health Plan (Eastern United States resident)<br><b>Location: </b>Danville, Pennsylvania<br><b>Job Category: </b>Actuarial Services & Underwriting, Geisinger Health Plan<br><b>Schedule: </b>Days <br><b>Work Type: </b>Full time<br><b>Department: </b>GHP Underwriting Department<br><b>Date Posted: </b>09/16/2025<br><b>Job ID: </b>R-83843<br>Job SummaryWe are seeking a highly skilled and detail-oriented Senior Underwriter with strong expertise in Administrative Services Only (ASO), Stop Loss, and pharmacy risk evaluation to join our dynamic team. This role is critical in evaluating risk, pricing strategies, and ensuring sustainable growth across our self-funded product lines.<br>Job Duties<p> Calculates premium rate proposals and develops product portfolios for new client groups and renewal business. Contributes to the achievement of the financial and marketing objectives for the thorough assessment of group risk, the expected cost to deliver services, the expected marketability and competitiveness of health care services that will result in profitable enrollment. Uses actuarial data in standard application of various rating methodologies and formulas and identifies potential areas for application of underwriting judgment. Confers with management to identify and develop methods and procedures to obtain greater efficiency. Provides support to Management relative to financial forecasting, profitability and expense analysis, and assigned special projects. </p><ul><li> Analyze the risk of a group and calculate premium rates for new and renewal clients adhering to regulatory requirements, underwriting guidelines and pricing strategies to achieve target financial results. </li><li> Analyze claims experience, demographics, benefit plans, group attributes and competitor data. Applies underwriting judgment as appropriate. </li><li> Complete Request for Proposals providing explanations of rate action, configuration of benefits and market position to sales, client, broker, or consultant. Organizes proposal questionnaire responses to consulting firms. </li><li> Presents key accounts to all levels of management providing an explanation of premium rating strategies, product offerings and market position specific to the account. </li><li> Conducts conference calls with the clients and sales to interpret the renewal and new business proposal rating, negotiating premium reductions as part of these calls. </li><li> Assists with designing and implementing rating models. Recommends measures to improve efficiency and ensure accuracy. </li><li> Acts as a department resource for co-workers, sales, and inter-departmental projects </li><li> Assists in preparing various management reports to analyze the financial risk for the health plan. Utilizes a high level of experience in Excel and reporting programs for special analysis </li></ul><p> Work is typically performed in an office environment. Accountable for satisfying all job specific obligations and complying with all organization policies and procedures. The specific statements in this profile are not intended to be all-inclusive. They represent typical elements considered necessary to successfully perform the job. </p><p></p><br>EducationAssociate's Degree- (Required)<br>ExperienceMinimum of 7 years-Related work experience (Required)<br>Our Purpose & ValuesOUR PURPOSE & VALUES: Everything we do is about caring for our patients, our members, our students, our Geisinger family and our communities. KINDNESS: We strive to treat everyone as we would hope to be treated ourselves. EXCELLENCE: We treasure colleagues who humbly strive for excellence. LEARNING: We share our knowledge with the best and brightest to better prepare the caregivers for tomorrow. INNOVATION: We constantly seek new and better ways to care for our patients, our members, our community, and the nation. SAFETY: We provide a safe environment for our patients and members and the Geisinger family We offer healthcare benefits for full time and part time positions from day one, including vision, dental and domestic partners. Perhaps just as important, from senior management on down, we encourage an atmosphere of collaboration, cooperation and collegiality. We know that a diverse workforce with unique experiences and backgrounds makes our team stronger. Our patients, members and community come from a wide variety of backgrounds, and it takes a diverse workforce to make better health easier for all. We are proud to be an affirmative action, equal opportunity employer and all qualified applicants will receive consideration for employment regardless to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or status as a protected veteran.

Underwriter Senior, Geisinger Health Plan (Eastern United States resident)

Tennyson Insurance

<p>As a Senior Underwriter - Financial Lines, your role will involve:</p>
<ul>
<li>Independently assess and price medium to high complexity risks, set and negotiate terms and conditions in accordance with the Underwriting Guidelines.</li>
<li>Have a reasonable level of Underwriting Authority and will seek empowerment from higher proficiency level Underwriting Management where required with a detailed rationale.</li>
<li>Have a strong understanding of how the accounts they work on fit into the broader Underwriting strategy.</li>
<li>Posses strong relationships and engage with distributors (agents brokers) during the Underwriting process, leading discussions around risk appetite and proactively seeking new business opportunities.</li>
<li>Anticipate customer needs and be able to handle and resolve the vast majority of queries from customers and brokers.</li>
<li>Support with the development of other Underwriters.</li>
<li>Should be proficient in Directors and Officers, Financial Institutions &amp; Professional Indemnity.</li>
<li>Complete detailed opportunity assessment with key distributors to identify growth opportunities.</li>
<li>Negotiate solid terms &amp; conditions and where appropriate cross-sell other lines of business to increase the book of business.</li>
<li>Participate in Sales Team meeting as related to assigned brokers and / or territory.</li>
<li>Proactively engage in the target account process, managing a qualified list of opportunities 90 to 120 days prior to effective date.</li>
<li>Serve as the subject matter expert and act as the key contact for assigned target accounts.</li>
<li>Measure exposure/analyze risk, initiate product development ideas and promote services to increase penetration.</li>
<li>Provide expertise on coverage issues with claims programs and guidelines.</li>
</ul>

Senior Underwriter - Financial Lines

Arma Underwriting Ltd

A specialist multi-line underwriting agency is seeking an Underwriter in Dubai to evaluate risks, manage a portfolio, and maintain client relationships. The ideal candidate will have 5-8 years of experience in Professional Indemnity or D&O insurance, along with strong communication skills and a relevant degree. This full-time, on-site role offers a chance to work within a regulated framework and stay ahead of industry trends.

D&O & PI Underwriter - Dubai Portfolio Lead

Munich Re

<div><div><p><b>Location</b></p>
Mumbai, India
<p><b>Job type</b></p>
Full-Time
<p><b>Work mode</b></p>
Hybrid
<p><b>Job level</b></p>
Professional
<p><b>Job ID</b></p>
10507
<p><b>Company</b></p>
Munich Re
<p><b>Employment type</b></p>
Regular
<p><b>Area of expertise</b></p>
Claims &amp; Underwriting</div></div><div></div>
<br><div><div><div>Across Asia Pacific, Middle East and Africa, we operate life and health and non-life reinsurance as well as primary insurance businesses, providing global career development opportunities and prospects to more than 1900 team members in 20 locations. We started supporting clients in the Indian market in 1951 and established our India Branch in Mumbai in 2017 to service the Non-Life and Life reinsurance markets in India, Sri Lanka and Bangladesh.</div><div><b>
Your Role:</b></div><ul><li>
To proficiently &amp; prudently appraise risk for high sum assured cases life &amp; health insurance applications, thereby enhancing profit and overall growth of MRIB</li><li>
Ensures underwriting decisions generated are in line with Munich Re philosophy and the applicable underwriting manual where appropriate within agreed turnaround time</li><li>
Enable client companies to deliver their projects related to risk management</li><li>
Managing complex life and health portfolios across multiple geographies, optimizing new business operations, driving digital innovations to meet broader business goals for all clients of MRIB.</li><li>
In-depth underwriting experience in both traditional and emerging risk environments.</li><li>
Team player to drive operational excellence by establishing robust framework for risk assessment with early detection of frauds. Operational focus to reduced turnaround time and elevated client satisfaction and trust.</li></ul><div>
Key Responsibilities:</div><ul><li>
Expertise to deliver high quality prudent risk assessment decisions by Underwriting for medical, financial and special risks for high sum assured cases within the scope of assigned underwriting limits as per Munich Re underwriting Philosophy.</li><li>
As a member of the Life &amp; Health team based in Mumbai office of Munich Re India Branch, role will be to build and maintain client relationships as well as to provide risk management related services to MRIB clients, in accordance with the agreed terms.</li><li>
Recognize imperative risk factors and understand insurable risk and financial justification to make strong decisions; ensure appropriate documentation to support these high value cases.</li><li>
As a team member, contribute towards Quality assignment &ndash; Peer Review and adopts a partnering approach when carrying out underwriting audits along with Process review audits of clients.</li><li>
Demonstrate effective time management, conflict resolution and presentation of alternative solutions</li><li>
Participate in activities related to internal and external training programmes and provide training to clients regarding the underwriting approach(es) and all the implications thereof as per Munich Re Standards</li><li>
Required to work as a member of a high-performance team and to demonstrate and develop adequate technical and interpersonal skills, so candidate can strongly contribute to achieving MRIB commercial objectives.</li><li>
Participates in departmental or companywide activities and projects regarding underwriting and related fields.</li><li>
Represent and promote Munich Re at industry meetings, business travel to client&rsquo;s offices for participating on external reviews/audits or client engagements.</li><li>
Established demonstration of drive and initiative to improve processes, underwriting guidelines and/or client perceptions with participation on team projects as required</li></ul><div><b>
Your Profile:</b></div><div>
Education &amp; Experience:
</div><ul><li>Minimum 12 years&rsquo; in Life &amp; Health insurance underwriting, preferably with reinsurance/ regional/international exposure as High Sum Assured Underwriter</li><li>
Degree holder. Medical or Life Science qualification would be preferred</li><li>
Strong Microsoft Office skills</li><li>
Strong knowledge of medical terminology, anatomy and physiology with impaired / substandard risk experience</li></ul><div>
Good to have:</div><ul><li>
15+ years&rsquo; experience of direct underwriting experience for South Asia business</li><li>
Qualified medical Doctor with expertise in TMT and ECGR interpretation</li><li>
Professional Life Insurance qualifications e.g. ALMI, FLMI, AALU, FALU, CLU</li><li>
Excellent analytical, decision making and problem solving skills</li><li>
Self-disciplined, with the ability to work autonomously</li></ul><div>
Competencies:</div><ul><li>
Innovative approach for prudent risk management</li><li>
Client focused (both external and internal)</li><li>
Creative, flexible, self-motivated and responsive</li><li>
Highly adaptable to a rapidly changing environment</li></ul><div><i>
At Munich Re, we embrace, and value, the interaction of diverse backgrounds, experiences, perspectives and thought. This interaction is our foundation. Of our open culture and spirit of partnership. Of how our teams are built and cultivated. Of how we are supported and developed. And at the centre of this interaction is each of us.</i></div></div></div><div></div>
<br><div><div><div><p>Your Benefits</p>
<p><b>With us, you get more than just an exciting job. Enjoy a wide range of employee benefits tailored to your wellbeing and development. Please note that regional differences may apply.</b></p>
</div><div></div><div><div><div>Competitive Salary</div>
<div>We provide fair and competitive compensation that reflects your performance and commitment.</div>
</div><div></div><div><div>Company performance-based Incentives</div>
<div>In addition to your salary, our variable compensation approach allows you to share in Munich Re's success.</div>
</div><div></div><div><div>Recognition and Special Rewards</div>
<div>We recognise outstanding individual contributions through a variety of targeted rewards and incentives.</div>
</div><div></div><div><div>Retirement Planning</div>
<div>We support your long-term financial wellbeing with retirement solutions aligned with local regulations.</div>
</div><div></div><div><div>Inclusive Workplace Culture</div>
<div>We foster a respectful, inclusive, and values-driven environment.</div>
</div><div></div><div><div>Learning &amp; Development</div>
<div>We offer tailored learning opportunities with a strong focus on core skills and business-critical knowledge.</div>
</div><div></div><div><div>Work-Life-Balance</div>
<div>Supporting your ability to balance family, leisure, and your career.</div>
</div><div></div><div><div>Health &amp; Wellbeing</div>
<div>We support your physical and mental health through a range of programs and activities in each location.</div></div></div></div></div>

Client Manager- Life and Health

NATIONAL GENERAL INSURANCE CO (P.J.S.C)

<p><strong>Job Description:</strong></p><p>- We are seeking a skilled property underwriter to join our team. As a property underwriter, you will be responsible for evaluating, analyzing and underwriting property insurance proposals to assess risk and determine appropriate coverage and premiums. You will work closely with brokers, BDE’s and direct clients to gather necessary U/W information, review survey reports and cladding certifications prepare quotes in line with NGI’s underwriting Guidelines and policies.</p><p><strong>Job Duties & Responsibilities:</strong></p><p>- Review the proposals and obtain the complete U/W information of the risk.</p><p>- Decide whether proposal is within the NGI guidelines and U/W policies.</p><p>- Prepare the quotation in a way that NGI win the business and the terms quoted are within the company’s underwriting philosophy.</p><p>- Coordinate with various branches, brokers and BDE’s to win the business quoted.</p><p>- Develop a rapport with various stakeholders (internal/external) to grow the business.</p><p>- Maintain accurate underwriting records and documentation.</p><p>- Handle enquiries and resolve issues in a timely and professional manner.</p><p>- To assist the department in any other task as and when required depending on the operational requirements</p><p>- Generation of various underwriting reports its analysis and also keep an eye on the conversions of  quotes released</p><p>- Drive the business growth.</p>

Senior Supervisor – General Insurance Underwriting (FGA)

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