Underwriter, Accident & Health

Are you passionate about accident and health insurance and eager to advance your underwriting career? Join our team as an Underwriter in the Accident & Health sector with a focus on accident, health, and related insurance products. You will analyze and underwrite new and renewal business, engaging with the market and providing exceptional customer service. Utilizing The Zurich Way of Underwriting Framework, you will handle assignments of moderate technical complexity under limited supervision. Be part of a global insurance leader committed to innovation, collaboration, and continuous improvement. This role offers a dynamic and supportive environment to grow your expertise and make a significant impact. If you are ready for new challenges, we encourage you to apply.

• Administer and monitor underwriting rules, guidelines, rating manual rules, and insurance laws and regulations.
• Develop and maintain relationships with distributors (brokers & agents) to support business retention and new business acquisition.
• Proactively seek renewal and new account opportunities, qualifying accounts to meet the organization's appetite.
• Make broker/customer and on-site calls with a planned and well-prepared purpose.
• Promote the organization's accident and health products and services to increase penetration with brokers and agents.
• Participate in pipeline meetings and marketing presentations to assigned brokers and agents.
• Calculate target prices accurately using underwriting tools and negotiate terms and conditions.
• Service accounts, handle declinations/cancellations, and resolve technical problems by referring to policies and procedures.
• Development of new accident and health insurance products, services and propositions.
• Development of underwriting guidelines, policies and procedures aimed at enhancing the process and business efficiency.
• Actively participate in digital projects focused on improving process and business efficiency.
• Monitor and analyze market trends and industry developments to stay informed and make informed business decisions.

• Bachelor’s degree (or equivalent) with a focus on insurance, finance, business administration, or a related field.
• 3 to 6 years of experience in accident and health insurance underwriting.
• Excellent oral and written communication skills.
• Strong knowledge of underwriting philosophy, techniques, and legal and regulatory guidelines.
• Demonstrated ability to effectively assess risk and function in a team environment.
• Strong skills in relationship building, active listening, and win-win negotiating.
• Strong presentation skills and a service-oriented approach.
• Solid knowledge of processing methods, workflow procedures, and basic insurance underwriting and regulations.
• Demonstrated technical knowledge and skills reflective of progression through positions of increasing responsibility.
• Strong attention to detail and organizational skills.
• Ability to meet deadlines in a fast-paced environment.
• Ability to write strong referrals with well-founded rationale.