We are supporting a leading international insurer in expanding its High Net Worth (HNW) underwriting capability across Asia. This role sits within a specialist team focused on ultra-high-net-worth (UHNW) business, primarily within Variable Universal Life (VUL) products.

This is more than a traditional underwriting role. The successful candidate will be part of a growing platform, working closely with regional and global stakeholders while contributing to the development and expansion of the HNW underwriting function in Asia.

Key Responsibilities:

Perform complex medical and financial underwriting for high net worth and ultra-high-net-worth clients
Assess large and complex cross-border cases across VUL, IUL, UL, and ILP products
Collaborate closely with distribution, brokers, case management teams, and senior stakeholders
Provide underwriting insights and contribute to case structuring and decision-making
Support governance, audit, and underwriting quality control processes
Contribute to the development and enhancement of underwriting practices and HNW proposition in Asia

Key Requirements:

Proven experience in life insurance underwriting, with exposure to HNW or complex cases
Experience in UL / ILP products; exposure to VUL / IUL is advantageous
Strong medical and financial underwriting capability with sound risk assessment skills
Comfortable working with stakeholders across multiple functions and regions
Ability to operate independently while contributing to a growing and evolving team

Why Consider This Role:

Opportunity to move into a specialised HNW / UHNW underwriting platform
Strong exposure to complex, international cases beyond traditional retail underwriting
High visibility role with direct interaction with senior leadership
Opportunity to be part of a growing business and influence the development of the underwriting function in Asia
Better work-life balance compared to large-volume underwriting environments

Desired Skills and Experience

We are seeking an experienced High Net Worth (HNW) Underwriter with strong expertise in life insurance underwriting, particularly across Variable Universal Life (VUL), Indexed Universal Life (IUL), Universal Life, and Investment-Linked Policies (ILP). The role involves complex medical and financial underwriting for ultra-high-net-worth (UHNW) clients, with a strong focus on cross-border cases and large case management.

Candidates should have a solid underwriting foundation with demonstrated underwriting authority, strong risk assessment capabilities, and experience working closely with brokers, distribution teams, and internal stakeholders. Exposure to reinsurance, audit and governance processes, policy reviews, and appeals handling will be advantageous.

This role requires a strong stakeholder management mindset, ability to operate in a collaborative environment, and interest in contributing to the growth and development of a high-net-worth underwriting function within Asia.

HNW Senior Underwriter