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Combined Insurance SVP, Chief Underwriting Officer in United States

Combined Insurance, a Chubb Company, is seeking a Senior Vice President, Chief Underwriting Officer to join our fast-paced, high energy, and growing company. For nearly 100 years in the insurance industry, our company has been passionate about serving our customers and providing them peace of mind and protection when they need it the most. Come build your career here, along with other positive, hard-working, talented professionals—just like you!


Reporting to the President of Combined Insurance, the Chief Underwriting Officer (CUO) oversees all Group & Individual Underwriting staff/teams, processes, and methods in order to write profitable new business, as well as address issues adversely affecting underwriting results (combined ratio) for Combined North America.This role promotes and supports growth opportunities while maintaining underwriting integrity. Develops and directs the strategy and operational objectives within Combined Insurance, related to Underwriting.

RESPONSIBILITIES: * Ensures the achievement of continued profitability, growth, and operational efficiencies of the business through assessment of risk tolerance, market appetite, and emerging risk/underwriting issues. Communicates effectively the present and long-term profitability priorities for the organization. * Accountable for the profitability of the Combined Insurance book of business—analyzing the product portfolio for opportunities and providing recommendations by product, distribution channel, and geography. * Is the Underwriting Authority for Group Underwriting (Worksite and CSP) and separately, for Individual Underwriting (U.S. Core, U.S. Worksite, and Canada). Ensures appropriate experience level and skillset co-align with delegated Underwriting Authorities. * Champions opportunities and recommendations to enhance P&L performance. Provides early warning on developing issues in claims, persistency, acquisition expenses, and resulting implications to P&L across products/channels business mix. * Oversees all Individual Underwriting authorities, processes and staffing to ensure timely risk assessment of individual applicants applying for coverage. * Acts as Head of Risk Committee to ensure all developing risks, products, service issues or any risks that will jeopardize Combined Insurance financial results are properly recognized, documented and contained as best can be done. * Partners with the appropriate distribution leaders to set the annual & strategic plan that ensures the business strategy is executed upon with line of sight on the various levers/opportunities for increasing profitability. * Leads, directs, and has management accountability for Underwriting staff with emphasis on building organizational capability, talent management, and promoting a culture of superior portfolio management and product underwriting. * Ensures all reinsurance is placed and renewed in accordance with the guidelines set forth by the parent company, Chubb. * Develops and maintains underwriting guidelines, best practices, and strategies. * Manages the budget, maintaining cost controls, expense management, and standards.

COMPETENCIES / SPECIFIC SKILLS: * Advanced evaluation and analytical skills with the ability to apply critical thinking to complex business models and scenarios, providing strategic business recommendations/solutions regardingthe overall risk/big picture of rating actions to assist profitable growth and/or improve financial results * Highly effective written and oral communication skills, which includes strong presentation skills and influencing/persuasive skills * Ability to influence internal and external staff/brokers/clients in order to ensure appropriate risk decisions are made, negotiated, and properly communicated. * Strong managerial and leadership skills needed to set team and company direction, and manage a complex underwriting, product, and data management organization, which sets a standard of excellence * Ability to work within a dynamic and challenging environment; handle multiple priorities, often under tight deadlines * Strong knowledge of Group and Individual Supplemental Health and Life insurance products * Solid knowledge of reinsurance principles, quota share treaties and analysis to maximize returns * Exemplary business acumen regarding Risk Assessment, Underwriting Rating principles, and Group/Individual Insurance product background


  • 15 years of Group Underwriting and/or Actuarial experience with at least 5 years in a senior management role within a Group and/or Individual Underwriting discipline
  • Bachelor’s degree in Business, Finance, Management, Actuarial, Legal, or related
    • * REPORTS TO:President of Combined Insurance


As a Combined Insurance corporate employee you have access to one of the most comprehensive benefit plans in the business, designed to meet your needs and help you reach your financial goals. Chubb Workplace Benefits is committed to supporting its employees with a comprehensive compensation package that is appropriate in the market where they work. Below are several of the many benefits we offer our employees:

  • Health insurance
  • Dental insurance
  • Tuition reimbursement
  • A company-match 401(k) plan
  • Disability insurance
  • Life insurance
  • Employee referral bonuses ABOUT COMBINED INSURANCE Combined Insurance is a leading provider of individual supplemental accident, disability, health and life insurance products, and a Chubb company. With a field sales force and corporate staff in excess of 5,000 people worldwide, Combined Insurance meets the growing coverage needs of policyholders around the globe. We pride ourselves on being customer-centric, people-driven, accountable, performance-minded, and ethical. We invest in our employees and take the time to focus on their development, needs and career aspirations.

Our parent company, Chubb, is one of the world’s largest multiline property and casualty insurers. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients.

Job: *Underwriting

Title: SVP, Chief Underwriting Officer

Location: null

Requisition ID: 328356