At a Glance
- Tasks: Lead strategy and growth for Affinity Accident & Health portfolio, focusing on travel and digital solutions.
- Company: Dynamic insurance company with a meritocratic culture that values self-starters.
- Benefits: Negotiable salary, bonuses, and comprehensive benefits package.
- Other info: Join a diverse team with excellent career development opportunities.
- Why this job: Make a real impact in the insurance industry while driving innovation and growth.
- 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. The successful candidate will combine deep A&H technical expertise with strong commercial instincts and a proven ability to build and manage high-performing affinity partnerships.
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.
- Maintain strong underwriting discipline aligned with capacity provider expectations.
- Affinity Partnerships & Distribution
- Lead the development and management of key affinity relationships, including Police Federations, Employee Benefits, Membership organisations, NGO’s 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, assistance-led 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.
- 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 alongside innovation and agility.
Key Deliverables / Success Metrics
- 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
Skills & Experience Required
- 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
- Proven track record in building and scaling affinity or embedded distribution partnerships.
- Strong negotiation skills and commercial judgment.
- Experience working with capacity providers and reinsurers.
- Leadership
- Experience leading underwriting or portfolio teams.
- Ability to influence at senior level internally and externally.
- Track record of delivering change, growth, and innovation.
- Personal Attributes
- Entrepreneurial mindset with strong execution focus.
- Data-driven and commercially astute.
- Collaborative and partner-oriented.
- Adaptable and comfortable in a growth-focused environment.
- Qualifications
- ACII or equivalent (desirable).
Key Stakeholders
- Chief Underwriting Officer & Executive Team
- Capacity Providers / Insurers
- Distribution & Broker Partners
- Claims & Assistance Providers
We are an Equal Opportunity Employer. We take pride in the diversity of our team and seek diversity in our applicants.
Head of Affinity in London employer: Brown & Brown UK
At Millstream, we foster a dynamic and meritocratic work environment that champions self-starters and prioritises customer-centric solutions. As the Head of Affinity in London, you will not only lead strategic growth in the Accident & Health sector but also benefit from a culture that encourages innovation, collaboration, and professional development. With competitive compensation, bonuses, and a commitment to diversity, Millstream is an exceptional employer for those seeking meaningful and rewarding careers in the insurance industry.
StudySmarter Expert Advice🤫
We think this is how you could land Head of Affinity in London
✨Dive Into Industry Networking Events
Get your foot in the door by attending insurance industry events and conferences. Not only will you learn about the latest trends, but you'll also meet potential employers and industry peers. Check out local chapters of professional bodies like the Chartered Insurance Institute for valuable meetups.
✨Use LinkedIn to Your Advantage
Don’t underestimate the power of LinkedIn in the insurance world. Engage with industry content, join relevant groups, and connect with professionals at companies you admire (like Brown & Brown UK). A thoughtful message explaining your interest can really make a difference!
✨Look Out for Graduate Schemes
Many firms in insurance have structured graduate programmes. Keep an eye on application windows and utilise your university's career services for insider tips. These schemes are designed to develop talent and often lead to permanent roles after your initial training.
✨Leverage Your Current Connections
Got friends or family in the industry? Now’s the time to reach out! Personal referrals can give you a head start, so let them know you're on the lookout for full-time opportunities at places like Brown & Brown UK. Don’t shy away from asking for a coffee chat; you never know what doors it might open!
We think you need these skills to ace Head of Affinity in London
Some tips for your application 🫡
Highlight Your Analytical Skills:In insurance, we love a candidate who can crunch numbers and analyse data effectively. When crafting your CV, make sure to showcase any relevant coursework or experiences that highlight your analytical abilities, especially if you’ve tackled risk assessment or financial modelling.
Showcase Industry Knowledge:Don’t be shy about your knowledge of the insurance sector! We want to see that you've done your homework on current trends, regulations, and challenges in the industry. Mention any relevant projects or studies you’ve completed that demonstrate your understanding of the field in your cover letter.
Craft a Compelling Cover Letter:Your cover letter should tell us why you’re passionate about insurance. Share any personal experiences or what drew you into this profession. We’re looking for enthusiasm and a clear motivation for why you want to be part of our team at Brown & Brown UK.
Tailor Your CV for the Role:Don't just send a generic CV! Focus on tailoring it specifically for the insurance role at Brown & Brown UK. Highlight relevant skills such as risk management, customer service experience, or any certifications you've earned in the industry to make your application stand out.
How to prepare for a job interview at Brown & Brown UK
✨Know Your Numbers: Insurance Fundamentals
Brush up on your understanding of key insurance concepts, like underwriting principles and risk assessment. Expect the interviewer at Brown & Brown UK to throw some technical questions your way, so be ready to demonstrate your grasp of these essentials.
✨Showcase Your Analytical Side
In the insurance world, it's all about data. Prepare to discuss any analytical tools or methodologies you've used in past experiences. If you have a portfolio of projects where you've tackled complex data, bring that along to impress the team!
✨Prepare for Behavioural Questions
As a full-timer at Brown & Brown UK, they'll want to know how you handle real-life scenarios, not just theory. Think about challenges you've faced in teamwork or customer service, and how those experiences can relate to a career in insurance.
✨Know the Company Culture Inside Out
Understanding Brown & Brown UK's values and workplace culture is essential. Don’t just memorise their mission statement; think about how your personal values align with theirs. This will show your genuine interest in being part of their team long-term.
