At a Glance
- Tasks: Join our dynamic 2.5-year graduate programme with rotations in underwriting departments.
- Company: Tokio Marine Kiln, a leading international insurer with a strong reputation.
- Benefits: Gain professional development support and potential permanent placement after the programme.
- Other info: Inclusive culture with opportunities for CSR activities and flexible working arrangements.
- Why this job: Develop your skills in a supportive environment while making a real impact in the insurance industry.
- Qualifications: Recent university graduates with analytical skills and a passion for problem-solving.
The predicted salary is between 28800 - 48000 £ per year.
The 2026 TMK Underwriting Graduate Programme is now open for applications! Tokio Marine Kiln (TMK) is a leading international insurer with a reputation for specialist underwriting expertise, outstanding claims service, and innovative products. We are very excited to be recruiting for our 2026 Underwriting Graduate Programme. This renowned and award-winning programme has been running for over 50 years, with a great track record for developing graduates into expert Underwriting and leadership positions over the years, many of whom are still employed by TMK today.
The programme offers dynamic rotations through at least five different underwriting departments, along with opportunities to gain exposure to other key teams across the business. This unique structure gives you a broad, hands-on experience and the opportunity to develop a well-rounded understanding of the industry, setting you up for long-term success. This full-time graduate entry training programme is a 2.5-year fixed-term contract, and upon successful completion, it is expected you will take up a permanent position in an underwriting department as a trainee underwriter, although other opportunities may also be available if better suited.
Over the course of the programme, you will:
- Develop a clear understanding of our underwriting products, and TMK’s risk appetites.
- Shadow underwriters and gain an understanding of how broker relationships work.
- Understand how Underwriters use data and models to drive decision making.
- Develop an understanding of the technical underwriting principles and processes involved in specific lines of business. This includes the understanding of underwriting principals & practices, an understanding of the Lloyd’s market and the identification and assessment of risk.
- Understand insurance policy terms and conditions.
- Understand how other functions in TMK feed into our underwriting process.
- Take part in learning and development opportunities as necessary to attain the skills and knowledge required to carry out specific tasks on each placement and in order to increase general insurance knowledge.
- Build and foster internal and external stakeholder relationships across TMK and the wider industry.
You will be expected to start your own professional development journey, e.g. CII qualification, for which support will be provided.
The successful candidate will be a university graduate who is ready to join an ambitious, forward-looking organisation who are committed to growing our underwriting capability. You will be a fast learner who is curious, analytical and determined, who also has the ability and confidence to question and challenge. We are looking for a great communicator who loves problem solving.
Applications close on Friday 16th January 2026.
The successful candidate will be welcomed into the TMK family to help us further our purpose of enabling our clients to fulfil their ambitions whilst benefiting society and our people. We are committed to ensuring a safe, open, inclusive and empowering environment in which all of our people can thrive. All employees have the opportunity to join one or a number of inclusion network groups or take part in CSR and charitable activities. TMK is signed up to the Disability Confident Employer Scheme and we also accommodate flexible working, subject to the TMK flexible working policy.
As an underwriting firm with over 140 years’ experience of protecting clients from changing risks we put our confidence in the ability and talent of our people. We aim to be a ‘Good Company’ and this means being a great and inclusive company to do business with and being a great place to work. Our culture is founded on our core values of empowerment, inclusion, excellence, integrity, teamwork and innovation. We seek to recruit the best talent by endeavouring to reach diverse talent pools, offering dynamic working arrangements and investing in development.
To make your experience as comfortable as possible, please let us know if you require any reasonable adjustments or additional assistance during your application process. At Tokio Marine Kiln we are here to support you, please be reassured that we will do all that we can to ensure that your specific needs are met. Please reach out to jay.lewis@tokiomarinekiln.com in confidence, to discuss any specific assistance or requirements that you have.
If you are interested in this vacancy and would like to apply or find out more, please follow the links to apply. You can also share this vacancy with your network using a number of social media platforms.
2026 TMK Underwriting Graduate Programme employer: Tokio Marine Kiln group
Tokio Marine Kiln (TMK) is an exceptional employer, offering a renowned 2.5-year Underwriting Graduate Programme that provides graduates with dynamic rotations across various underwriting departments in London. With a strong commitment to employee development, TMK fosters a culture of empowerment and inclusion, ensuring that all employees have access to professional growth opportunities and a supportive work environment. The company values diversity and innovation, making it an attractive place for ambitious individuals looking to build a rewarding career in the insurance industry.
StudySmarter Expert Advice🤫
We think this is how you could land 2026 TMK Underwriting Graduate Programme
✨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 Tokio Marine Kiln group). 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 Tokio Marine Kiln group. 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 2026 TMK Underwriting Graduate Programme
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 Tokio Marine Kiln group.
Tailor Your CV for the Role:Don't just send a generic CV! Focus on tailoring it specifically for the insurance role at Tokio Marine Kiln group. 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 Tokio Marine Kiln group
✨Know Your Numbers: Insurance Fundamentals
Brush up on your understanding of key insurance concepts, like underwriting principles and risk assessment. Expect the interviewer at Tokio Marine Kiln group 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 Tokio Marine Kiln group, 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 Tokio Marine Kiln group'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.
