2026 TMK Underwriting Graduate Programme

Tokio Marine Kiln; Greater London; On-site; GBP 80,000 - 100,000; Full time

Job summary

A leading insurance firm is seeking applicants for its 2026 Underwriting Graduate Programme in Greater London. This full-time, 2.5-year fixed-term contract offers dynamic rotations through various underwriting departments, providing broad and hands-on experience in the industry. The ideal candidate is a university graduate with strong analytical, communication, and problem-solving skills. Opportunities for professional development and qualifications like CII will be offered. Applications close on Friday 16th January 2026.

Benefits

Professional development support

Inclusive working environment

Dynamic working arrangements

Qualifications

• Ready to join an ambitious, forward-looking organisation.
• Fast learner with the ability to question and challenge.

Responsibilities

• Develop understanding of underwriting products and risk appetites.
• Shadow underwriters and learn about broker relationships.
• Understand the use of data and models in decision making.
• Learn technical underwriting principles and processes.

Skills

Analytical thinking

Communication skills

Problem-solving

Curiosity

Education

University degree

Job description

2026 TMK Underwriting Graduate Programme

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.

Responsibilities and Training

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 principles & 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.

Qualifications

The successful candidate will be a university graduate who is ready to join an ambitious, forward‑looking organisation that is 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.

Why Join TMK?

The successful candidate will be welcomed into the TMK family to help us further our purpose of enabling our clients to fulfil their ambitions whilst benefiting society and our people. We are committed to ensuring a safe, open, inclusive and empowering environment in which all of our people can thrive. All employees have the opportunity to join one or a number of inclusion network groups or take part in CSR and charitable activities. TMK is signed up to the Disability Confident Employer Scheme and we also accommodate flexible working, subject to the TMK flexible working policy.

As an underwriting firm with over 140 years’ experience of protecting clients from changing risks we put our confidence in the ability and talent of our people. We aim to be a ‘Good Company’ and this means being a great and inclusive company to do business with and being a great place to work. Our culture is founded on our core values of empowerment, inclusion, excellence, integrity, teamwork and innovation. We seek to recruit the best talent by endeavouring to reach diverse talent pools, offering dynamic working arrangements and investing in development.

Accessibility

To make your experience as comfortable as possible, please let us know if you require any reasonable adjustments or additional assistance during your application process. At Tokio Marine Kiln we are here to support you, please be reassured that we will do all that we can to ensure that your specific needs are met. Please reach out to [e-mail] in confidence, to discuss any specific assistance or requirements that you have.

Application Support

If you encounter difficulties submitting your application, please email [e-mail].

If you are interested in this vacancy and would like to apply or find out more, please follow the links to apply. You can also share this vacancy with your network using a number of social media platforms.