Assess and underwrite life and health insurance applications across new business and policy servicing, determining the acceptability of risks in line with underwriting principles.
Communicate and explain underwriting decisions, requirements, and terms clearly to the sales channels.
Lead and independently manage complex, high‑profile underwriting cases, including:
Complaints and service recovery cases
Post‑claims underwriting investigations (e.g. non‑disclosure detected during claims)
Sensitive and escalated cases with reputational or regulatory exposure
Conduct thorough assessments, ensure decisions are technically sound, defensible, and well‑documented, and aligned with underwriting standards and risk appetite.
High‑Risk Case Management
Complex & Non‑Standard Case Support
Handle non‑standard underwriting scenarios that fall outside standard BAU processes, especially cases requiring:
