At a Glance
- Tasks: Lead strategy and growth for Affinity Accident & Health portfolio, focusing on travel-related products.
- Company: Join a leading insurance brokerage with a culture of meritocracy and collaboration.
- Benefits: Negotiable salary, bonuses, and comprehensive benefits package.
- Other info: Dynamic environment with opportunities for personal and professional growth.
- Why this job: Make a real impact in the insurance industry while driving innovation and partnerships.
- Qualifications: Significant A&H underwriting experience and strong partnership skills required.
The predicted salary is between 80000 - 100000 £ per year.
Built on meritocracy, our unique company culture rewards self‐starters and those who are committed to doing what is best for our customers.
Location: London
Package: £Negotiable + Bonus + Benefits
The Head of Affinity Accident & Health will lead the strategy, underwriting performance, and growth of Millstream's Affinity A&H portfolio, with a strong emphasis on travel‐related products, embedded insurance solutions, and digital distribution partnerships. This role will be instrumental in expanding Millstream's position as a leading provider of white‐labelled and embedded insurance propositions, delivering scalable, partner‐led solutions across UK markets.
Key Responsibilities- Strategy & Growth: Define and execute the Affinity A&H strategy, aligned with Millstream's growth ambitions in travel and personal accident & sickness products. Identify and develop opportunities in embedded insurance, digital platforms, and non‐traditional distribution. Expand Millstream's presence across UK and selected international markets.
- Underwriting & Portfolio Management: Own underwriting performance for the Affinity A&H portfolio, ensuring profitable and sustainable growth. Set underwriting appetite, pricing frameworks, and governance standards. Drive portfolio optimisation through data‐led insights, monitoring loss ratios, partner performance, and product profitability.
- Affinity Partnerships & Distribution: Lead the development and management of key affinity relationships, including police federations, employee benefits, membership organisations, NGOs and digital platforms. Structure and negotiate long‐term, scalable partnerships. Collaborate with distribution and broker partners to deepen market reach.
- Product Development & Embedded Solutions: Oversee development of travel and A&H products, including travel insurance (multi‐trip, embedded protection), personal accident & sickness, ancillary A&H covers and value‐added propositions. Drive innovation in API‐enabled, embedded products aligned to partner journeys.
- Capacity & Market Management: Work closely with capacity providers to maintain strong relationships and confidence in Millstream's underwriting philosophy. Secure and optimise capacity for growth and ensure alignment on risk appetite and performance expectations.
- Financial Performance & Governance: Deliver financial targets including GWP, revenue and underwriting profitability. Provide regular portfolio reporting to senior leadership and capacity providers. Ensure compliance with FCA requirements and internal governance frameworks.
- Leadership & Team Development: Lead and develop a high‐performing underwriting and portfolio team. Embed a commercial, partner‐centric and performance‐driven culture. Strengthen technical underwriting capability, innovation and agility.
- Delivery of profitable growth in Affinity A&H portfolio.
- Achievement of target loss ratio and combined ratio.
- Expansion of high‐quality embedded and affinity partnerships.
- Strength and stability of capacity relationships.
- Team performance, engagement and retention.
- Technical & market expertise: Significant A&H underwriting experience, ideally with travel or affinity focus.
- Strong understanding of embedded insurance models and digital distribution.
- Experience managing delegated authority or MGA environments.
- Commercial & partnership skills with proven track record in building and scaling affinity or embedded distribution partnerships.
- Strong negotiation skills and commercial judgement.
- Experience working with capacity providers and reinsurers.
- Leadership experience in underwriting or portfolio teams.
- Ability to influence at senior level internally and externally.
- Entrepreneurial mindset with strong execution focus.
- Data‐driven, commercially astute and partner‐oriented.
- Adaptable and comfortable in a growth‐focused environment.
- ACII or equivalent (desirable).
We are an Equal Opportunity Employer. We take pride in the diversity of our team and seek diversity in our applicants. Founded in 1939 as a small, two‐partner firm, Brown & Brown (NYSE: BRO) and our team of companies have grown into one of the world's largest insurance brokerages while staying true to our foundation of trust, resilience and delivering results. We look for individuals who embrace our culture, thrive in a collaborative environment, are driven to grow and succeed and are committed to always doing what is right. With a unique culture built on integrity, capability and grit, we value teamwork, trust and courage.
Head of Affinity in London employer: 897 Brown & Brown (Europe) Limited
At Millstream, we pride ourselves on fostering a meritocratic culture that champions self-starters and prioritises customer satisfaction. Located in the vibrant city of London, our team enjoys a collaborative work environment with ample opportunities for professional growth, competitive compensation packages, and a commitment to innovation in the insurance sector. Join us to be part of a forward-thinking company that values integrity, teamwork, and the pursuit of excellence in delivering embedded insurance solutions.
Contact Details:
897 Brown & Brown (Europe) Limited Recruitment Team
StudySmarter Expert Advice🤫
We think this is how you could land Head of Affinity in London
✨Tip Number 1
Network like a pro! Get out there and connect with people in the industry. Attend events, join online forums, and don’t be shy about reaching out to potential colleagues on LinkedIn. You never know who might have the inside scoop on job openings!
✨Tip Number 2
Prepare for interviews by researching the company and its culture. Understand their values and how they align with your own. This will help you tailor your responses and show that you're genuinely interested in being part of their team.
✨Tip Number 3
Practice makes perfect! Conduct mock interviews with friends or family to get comfortable with common questions. This will help you articulate your experience and skills confidently when it counts.
✨Tip Number 4
Don’t forget to follow up after interviews! A simple thank-you email can go a long way in leaving a positive impression. It shows your enthusiasm for the role and keeps you fresh in their minds.
We think you need these skills to ace Head of Affinity in London
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Head of Affinity role. Highlight your experience in A&H underwriting and any relevant partnerships you've built. We want to see how your skills align with our growth ambitions!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Share your passion for embedded insurance and digital distribution. Let us know why you're excited about the opportunity to lead our Affinity A&H portfolio.
Showcase Your Achievements:Don’t just list your responsibilities; showcase your achievements! Use data and examples to demonstrate how you’ve driven profitable growth and built successful partnerships in the past. We love numbers!
Apply Through Our Website:We encourage you to apply through our website for a smoother process. It helps us keep track of your application and ensures you don’t miss out on any important updates. We can’t wait to hear from you!
How to prepare for a job interview at 897 Brown & Brown (Europe) Limited
✨Know Your Stuff
Make sure you have a solid understanding of the Affinity A&H market, especially in travel-related products and embedded insurance solutions. Brush up on recent trends and innovations in digital distribution partnerships to show that you're not just familiar with the basics but also ahead of the curve.
✨Showcase Your Leadership Skills
As a Head of Affinity, you'll need to demonstrate your leadership experience. Prepare examples of how you've successfully led teams, developed high-performing cultures, and driven results in previous roles. Be ready to discuss how you can foster a partner-centric approach within Millstream.
✨Be Data-Driven
Since this role involves optimising portfolios through data-led insights, come prepared with examples of how you've used data to inform decision-making in underwriting or portfolio management. Highlight your ability to monitor loss ratios and partner performance effectively.
✨Prepare for Negotiation Scenarios
Given the importance of building and scaling partnerships, think about past negotiations you've led. Be ready to discuss your strategies for structuring long-term partnerships and how you’ve navigated challenges in those situations. This will show your commercial judgement and negotiation skills.
