At a Glance
- Tasks: Lead strategy and growth for Affinity Accident & Health portfolio, focusing on travel-related products.
- 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 opportunities for personal and professional growth.
- Why this job: Make a significant impact in the insurance industry while driving innovation and partnerships.
- Qualifications: Extensive A&H underwriting experience and strong partnership-building skills.
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.
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, 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 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.
- 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
- 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).
- Chief Underwriting Officer & Executive Team.
- Capacity Providers / Insurers.
- Distribution & Broker Partners.
- Claims & Assistance Providers.
- Compliance & Risk.
We are an Equal Opportunity Employer. We take pride in the diversity of our team and seek diversity in our applicants.
Head of Affinity employer: Brown & Brown
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 innovative strategies in the Accident & Health sector but also benefit from a culture that encourages professional growth, collaboration, and the development of high-performing partnerships. 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
✨Tip Number 1
Network like a pro! Get out there and connect with people in the industry. Attend events, join relevant online groups, and don’t be shy about reaching out to potential contacts 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 use online resources to refine your answers. Focus on articulating your experience in A&H and how it relates to the role of Head of Affinity. Confidence is key!
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who are proactive and engaged with our brand. Let’s get you that dream job!
We think you need these skills to ace Head of Affinity
Some tips for your application 🫡
Show Your Passion:When writing your application, let your enthusiasm for the role shine through! We want to see how your passion for Affinity A&H aligns with our mission at Millstream. Make it personal and relatable.
Tailor Your CV:Don’t just send a generic CV! We’re looking for candidates who can demonstrate their relevant experience in A&H underwriting and affinity partnerships. Highlight your achievements that match the job description and show us why you’re the perfect fit.
Craft a Compelling Cover Letter:Your cover letter is your chance to tell your story. Use it to explain how your skills and experiences make you the ideal candidate for the Head of Affinity role. Keep it concise but impactful, and don’t forget to mention why you want to join us at Millstream!
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows you’re proactive and keen to be part of our team!
How to prepare for a job interview at Brown & Brown
✨Know Your Stuff
Make sure you brush up on your A&H underwriting knowledge, especially around travel-related products and embedded insurance solutions. Familiarise yourself with Millstream’s current portfolio and be ready to discuss how you can contribute to its growth.
✨Showcase Your Partnerships Experience
Be prepared to share specific examples of how you've built and managed successful affinity partnerships in the past. Highlight your negotiation skills and any innovative strategies you've implemented to deepen market reach.
✨Demonstrate Your Leadership Skills
Think about your leadership style and how it aligns with Millstream’s culture. Be ready to discuss how you've developed high-performing teams and fostered a commercial, partner-centric environment in previous roles.
✨Ask Insightful Questions
Prepare thoughtful questions that show your interest in Millstream’s strategy and future direction. Inquire about their approach to innovation in embedded products or how they maintain strong relationships with capacity providers.
