Insurance Underwriter
You decide what risks an insurer will cover and what the customer should pay.
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- Typical pay
- €32k–€65k
- Usual education
- Degree or insurance apprenticeship
- Outlook
- Stable, with specialist areas like cyber growing quickly.
A day in the life
Reviewing submissions from brokers, pricing a policy, negotiating terms on a tricky case.
Ways in
- Insurance apprenticeship or graduate scheme
- Broker role then a move to underwriting
- Professional insurance qualifications while working
What to study at 16
The subjects you choose for the final years of secondary school can shape which degrees, exams and careers are easiest to reach. This is about choosing courses, not choosing a school.
Spain
Bachillerato de Humanidades y Ciencias Sociales
Portugal
Ciências Socioeconómicas
France
Bac général — spécialités
Germany
Oberstufe — Leistungskurse
Netherlands
Profiel Economie & Maatschappij
Poland
Liceum — rozszerzenia
Skills that matter
Best courses to take
The study routes that lead most directly into this career.
BSc Business Management
Broad grounding in how organisations work: strategy, finance, operations and people.
Commercial grounding for underwriting.
Helpful school subjects: Maths, Economics, English
BSc Economics
How markets, money and policy interact, with a strong quantitative core.
Risk, probability and pricing thinking.
Helpful school subjects: Maths, Economics
Places that hire for this
Aviva
Internships, apprenticeships and graduate programmes open to students in this area.
Deloitte
Insurance advisory and actuarial practices.
Fidelidade
Actuarial and underwriting trainees learn on real portfolios from the first months.
Legal & General
Internships, apprenticeships and graduate programmes open to students in this area.
Swiss Re
Internships, apprenticeships and graduate programmes open to students in this area.
UNIQA Insurance Group
Underwriting teams for property and health lines.
Zurich Insurance Group
Internships, apprenticeships and graduate programmes open to students in this area.