Job Description

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.

Get to know the business:

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.

Key Responsibilities:

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

Job Requirements:

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.

Enjoy benefits that take care of what matters

At AIG, our people are our greatest asset. We know how important it is to protect and invest in what’s most important to you. That is why we created our Total Rewards Program, a comprehensive benefits package that extends beyond time spent at work to offer benefits focused on your health, wellbeing and financial security—as well as your professional development—to bring peace of mind to you and your family.

Reimagining insurance to make a bigger difference to the world

American International Group, Inc. (AIG) is a global leader in commercial and personal insurance solutions; we are one of the world’s most far-reaching property casualty networks. It is an exciting time to join us — across our operations, we are thinking in new and innovative ways to deliver ever-better solutions to our customers. At AIG, you can go further to support individuals, businesses, and communities, helping them to manage risk, respond to times of uncertainty and discover new potential. We invest in our largest asset, our people, through continuous learning and development, in a culture that celebrates everyone for who they are and what they want to become.

Welcome to a culture of inclusion

We’re committed to creating a culture that truly respects and celebrates each other’s talents, backgrounds, cultures, opinions and goals. We foster a culture of inclusion and belonging through learning, cultural awareness activities and Employee Resource Groups (ERGs). With global chapters, ERGs are a cornerstone for our culture of inclusion. The talent of our people is one of AIG’s greatest assets, and we are honored that our drive for positive change has been recognized by numerous recent awards and accreditations.

AIG provides equal opportunity to all qualified individuals regardless of race, color, religion, age, gender, gender expression, national origin, veteran status, disability or any other legally protected categories.

AIG is committed to working with and providing reasonable accommodations to job applicants and employees with disabilities. If you believe you need a reasonable accommodation, please send an email to candidatecare@aig.com.

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