[Hiring] Senior Life Insurance Underwriter @Vitality

Role Description

At Vitality, underwriting is about more than assessing risk. It’s about using your expertise to help people access the protection that can make a real difference when life takes an unexpected turn. As a Senior Underwriter, you’ll bring your knowledge and judgement to some of our more complex Life, Serious Illness and Income Protection applications, making thoughtful, balanced decisions that put good customer outcomes at the heart of what we do. You’ll be a trusted technical voice for colleagues, advisers and partners, sharing your experience, supporting others to grow and helping us continue to improve how we work. It’s an opportunity to make a genuine impact, both for our customers and for the people around you, in a business that believes in helping people live healthier, happier lives.

Key Actions

• Assess complex medical, financial, occupational and lifestyle risks across Life, Serious Illness and Income Protection, making clear and balanced decisions within delegated authority.
• Set proportionate evidence requirements, manage complex cases to agreed service standards and record clear, auditable decision rationales.
• Support advisers and key distribution partners by clearly explaining underwriting requirements and decisions, helping to deliver good customer outcomes.
• Work with reinsurers on referrals and technical queries, securing appropriate terms within Vitality’s underwriting philosophy and reinsurance arrangements.
• Coach and support less experienced underwriters through technical feedback, knowledge sharing, referrals and authorisations.
• Contribute your expertise to technical calibration, underwriting guidance, process improvements and changes to underwriting tools and services.

Qualifications

• A minimum of five years’ underwriting experience in the life insurance industry, with experience assessing complex cases in the UK life and protection market.
• Strong technical knowledge across Life, Serious Illness and Income Protection, including medical, financial, occupational and lifestyle risk assessment.
• Experience with reinsurance referrals, delegated authority and technical referrals or authorisations, together with strong analytical judgement.
• Confidence communicating complex underwriting decisions to advisers, colleagues and other stakeholders, with experience coaching or providing technical guidance to others.

Benefits

• Bonus Schemes – A bonus that regularly rewards you for your performance.
• A pension of up to 12% – We will match your contributions up to 6% of your salary.
• Our award-winning Vitality health insurance – With its own set of rewards and benefits.
• Life Assurance – Four times annual salary.
• Fantastic Benefits. Exciting rewards. Great career opportunities!