Job Description

The 2026 TMK Underwriting Graduate Programme is now open for applications!



Tokio Marine Kiln (TMK) is a leading international insurer with a reputation for specialist underwriting expertise, outstanding claims service, and innovative products. We are very excited to be recruiting for our 2026 Underwriting Graduate Programme. This renowned and award-winning programme has been running for over 50 years, with a great track record for developing graduates into expert Underwriting and leadership positions over the years, many of whom are still employed by TMK today.



The programme offers dynamic rotations through at least five different underwriting departments, along with opportunities to gain exposure to other key teams across the business. This unique structure gives you a broad, hands-on experience and the opportunity to develop a well-rounded understanding of the industry, setting you up for long-term success. This full-time graduate entry training programme is a 2.5-year fixed-term contract , and upon successful completion, it is expected you will take up a permanent position in an underwriting department as a trainee underwriter, although other opportunities may also be available if better suited.

Over the course of the programme, you will:

Develop a clear understanding of our underwriting products, and TMK's risk appetites.



Shadow underwriters and gain an understanding of how broker relationships work.



Understand how Underwriters use data and models to drive decision making.



Develop an understanding of the technical underwriting principles and processes involved in specific lines of business. This includes the understanding of underwriting principals practices, an understanding of the Lloyd's market and the identification and assessment of risk.



Understand insurance policy terms and conditions.



Understand how other functions in TMK feed into our underwriting process.



Take part in learning and development opportunities as necessary to attain the skills and knowledge required to carry out specific tasks on each placement and in order to increase general insurance knowledge.



Build and foster internal and external stakeholder relationships across TMK and the wider industry.



You will be expected to start your own professional development journey, e.g. CII qualification, for which support will be provided.



The successful candidate will be a university graduate who is ready to join an ambitious, forward-looking organisation who are committed to growing our underwriting capability. You will be a fast learner who is curious, analytical and determined, who also has the ability and confidence to question and challenge. We are looking for a great communicator who loves problem solving.



Applications close on Friday 16th January 2026.



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