Underwriter, Accident & Health

Underwriter, Accident & Health

Who we are:

American International Group, Inc. (AIG) is a leading global insurance organization. Building on 100 years of experience, today AIG member companies provide a wide range of property casualty insurance, life insurance, retirement solutions, and other financial services to customers in more than 80 countries and jurisdictions. These diverse offerings include products and services that help businesses and individuals protect their assets, manage risks and provide for retirement security.

General Insurance is a leading provider of insurance products and services for commercial and personal insurance customers. It includes one of the world’s most far-reaching property casualty networks. General Insurance offers a broad range of products to customers through a diversified, multichannel distribution network.

The role will work closely with Sales, Claims, Operations, Finance, Legal, Risk and Compliance to help achieve strategic initiatives, which will assure the long-term growth of profits for Accident and Health.

Financial

• Profitability as measured by STAT, GAAP, RAP and Loss Ratios.
• Attained premium growth and retention for the Northeast region.

Underwriting and Technical Integrity

• Underwriting Accident & Health quotes (including Business Travel, Participant Accident, Participant Travel) within an assigned territory.
• Case underwriting of Accident & Health coverage for both renewals and new business (manual rating and experience rating)
• Analyze, select, and price risks, and have the ability to articulate underwriting analyses and identify corrective actions, if any, to sales team and broker contacts
• Achieve new business premium targets, premium retention targets and loss ratio targets for assigned territory
• Strategize with other members of assigned territory team to identify target market segments and to develop broker distribution relationships
• Servicing of assigned accounts and brokers, in conjunction with other Underwriting and Sales team members within assigned territory.
• Work closely with other functional areas:
  Claims;
  Actuarial;
  Operations;
  Finance;
  Legal and Compliance
• Prepare (where applicable) review and approval of case referrals.
• Liaise with internal stakeholders to ensure awareness of underwriting activities that require support and service.
• Deliver timely and accurate quotes/binders.
• Assist in achieving overall GPW goal in collaboration with Distribution. Work closely and share responsibility for overall revenue goal through new business and retention targets.
• Quarterly self-audit process to assure 100% and timely compliance and take necessary actions on audit recommendations and findings.
• Adherence to all internal and external compliance standards, including implementation of new standards.
• Training to ensure compliance with underwriting authority and sales practice

Educational Qualifications

• University degree or higher and / or Experience in Accident and Health business.

Professional and Technical Skills and Experience

• Accident and Health products and technical underwriting skills.
• Strong customer service ethic, with a sound understanding of the business processes.
• Excellent communication and influencing skills – both written and oral.
• Excellent planning and negotiation skills.
• Self-motivated and able to set strategic direction.
• Able to work in a team to lead and contribute so that AIG meets its strategic goals.
• Knowledge of country regulatory and compliance requirements.

For positions based in NYC, the base salary range is $68,000-$91,000, for positions based in Jersey City, NJ, the base salary range is $56,000-$89,000 and the position is eligible for a bonus in accordance with the terms of the applicable incentive plan. A summary of benefits can be viewed here: 2025 Benefits Summary.

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At AIG, we value in-person collaboration as a vital part of our culture, which is why we ask our team members to be primarily in the office. This approach helps us work together effectively and create a supportive, connected environment for our team and clients alike.

At AIG,…