Underwriters issue insurance policies – they decide which policies an insurance company should offer to potential clients, and calculate the premiums (the amount charged for insurance coverage). In order to do this, underwriters obtain detailed information from prospective policy holders and assess the risks, likelihood and potential cost of a claim.


Graduate training schemes for underwriters typically last around two years and are often followed by another two or three years’ training in a specialist area of risk.

Degrees in business and management, mathematics, law or economics are an advantage, but it is possible to enter the profession from any discipline. Most training tends to be on-the-job, working alongside experienced colleagues and learning about different departments and about accounting, claims and investment functions.


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