Life and Health Underwriter

Our client is seeking a Life & Health Underwriter responsible for assessing and evaluating insurance risks in line with company guidelines, regulatory requirements, and industry best practices. The role supports sound underwriting decisions that balance profitability, risk management, and customer value.

Key Responsibilities

Risk Assessment & Underwriting

• Evaluate insurance applications and determine risk acceptability and appropriate terms.
• Review medical, occupational, and financial information to assess risk profiles.
• Apply underwriting guidelines to ensure effective risk selection.

Policy Issuance & Documentation

• Ensure accurate and timely underwriting decisions and policy issuance.
• Maintain clear records for compliance and audit purposes.

Market & Portfolio Analysis

• Support underwriting strategies using market insights and claims data.

Regulatory Compliance

• Ensure underwriting practices comply with applicable regulations and internal policies.
• Support internal audits and regulatory reviews.

Cross-Functional Collaboration

• Work closely with sales, operations, and claims teams to support efficient operations.
• Provide underwriting guidance to intermediaries and internal stakeholders.
• Participate in training and presentations related to underwriting processes.

Performance Monitoring

• Monitor underwriting KPIs such as turnaround times, approval rates, and medical statistics.
• Contribute to process improvements through analysis and feedback.

Requirements

• Certificate in Insurance or equivalent qualification preferred.
• Minimum 1 year of experience in Life or Medical underwriting.
• Good understanding of insurance regulations.
• Strong analytical and decision-making skills.
• High attention to detail and strong communication skills in English.

If you are an analytical professional looking to grow your career in insurance underwriting, we would love to hear from you.