Senior Life Insurance Underwriter

Team - Adviser Service Life
Working Pattern - Remote (UK) Full time, 37.5 hours per week.
Top 3 skills needed for this role:
Complex UK life and protection underwriting expertise
Strong technical judgement and confident decision-making within delegated authority
Ability to coach colleagues and build trusted relationships with advisers, reinsurers and internal teams
What this role is all about:
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.
What do you need to thrive?
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.
So, what’s in it for you?
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
These are just some of the many perks that we offer! To view the extensive range of benefits we offer, please visit our careers page. Fantastic Benefits. Exciting rewards. Great career opportunities!
If you are successful in your application and join us at Vitality, this is our promise to you, we will:
Help you to be the healthiest you’ve ever been
Create an environment that embraces you as you are and enables you to be your best self
Give you flexibility on how, where and when you work
Help you advance your career by playing you to your strengths
Give you a voice to help our business grow and make Vitality a great place to be
Give you the space to try, fail and learn
Provide a healthy balance of challenge and support
Recognise and reward you with a competitive salary and amazing benefits
Be there for you when you need us
Provide opportunities for you to be a force for good in society
We commit to all these things because we want you to feel that you belong, and are supported to be happy and healthy.

Experience
5+ yrs

Work arrangement
Yes