At a Glance
- Tasks: Assess complex life insurance applications and make impactful decisions for customers.
- Company: Join Vitality, a multi-award-winning UK insurance brand focused on health and happiness.
- Benefits: Enjoy competitive salary, bonus schemes, health insurance, and a generous pension plan.
- Other info: Flexible remote work, coaching opportunities, and a culture that values diversity and growth.
- Why this job: Make a real difference in people's lives while advancing your career in a supportive environment.
- Qualifications: Five years' underwriting experience with strong technical knowledge in life insurance.
The predicted salary is between 63000 - 77000 £ per year.
About The Role
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:
- 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.
About The Company
We're incredibly proud to be recognised for the culture we've created — recently being named one of Glassdoor's Best Places to Work 2026, and in 2024 we were delighted to be awarded Top 10 Places to Work in the Sunday Times Awards. Vitality is a multi-award-winning UK insurance brand, here to make the world a healthier, happier place. We've been a purpose and values-driven business from day 1- long before it became fashionable. Our core purpose is to make people healthier and enhance protect their lives. Vitality pioneered shared-value insurance. We incentivise people to live healthier longer lives – they benefit, our business benefits, and society benefits. We're successful because we attract, develop, and retain the best people – and because we care. Plus, you get to join our 1.7+ million members with access to our unique health insurance and healthy living programme. Just to make sure you know our products inside and out.
Ready to find out if we're the right fit for you? We can't wait.
Senior Life Insurance Underwriter employer: Vitality Corporate Services Limited
Vitality is an exceptional employer, offering a vibrant work culture that prioritises employee well-being and professional growth. With a hybrid working model based in Bournemouth, employees benefit from flexible working arrangements, competitive bonuses, and an extensive range of perks including award-winning health insurance. The company fosters a supportive environment where individuals are encouraged to thrive, innovate, and contribute to meaningful societal change.
Contact Details:
Vitality Corporate Services Limited Recruitment Team
StudySmarter Expert Advice🤫
We think this is how you could land Senior Life Insurance Underwriter
✨Dive Into Industry Networking Events
Get your foot in the door by attending insurance industry events and conferences. Not only will you learn about the latest trends, but you'll also meet potential employers and industry peers. Check out local chapters of professional bodies like the Chartered Insurance Institute for valuable meetups.
✨Use LinkedIn to Your Advantage
Don’t underestimate the power of LinkedIn in the insurance world. Engage with industry content, join relevant groups, and connect with professionals at companies you admire (like Vitality Corporate Services Limited). A thoughtful message explaining your interest can really make a difference!
✨Look Out for Graduate Schemes
Many firms in insurance have structured graduate programmes. Keep an eye on application windows and utilise your university's career services for insider tips. These schemes are designed to develop talent and often lead to permanent roles after your initial training.
✨Leverage Your Current Connections
Got friends or family in the industry? Now’s the time to reach out! Personal referrals can give you a head start, so let them know you're on the lookout for full-time opportunities at places like Vitality Corporate Services Limited. Don’t shy away from asking for a coffee chat; you never know what doors it might open!
We think you need these skills to ace Senior Life Insurance Underwriter
Some tips for your application 🫡
Highlight Your Analytical Skills:In insurance, we love a candidate who can crunch numbers and analyse data effectively. When crafting your CV, make sure to showcase any relevant coursework or experiences that highlight your analytical abilities, especially if you’ve tackled risk assessment or financial modelling.
Showcase Industry Knowledge:Don’t be shy about your knowledge of the insurance sector! We want to see that you've done your homework on current trends, regulations, and challenges in the industry. Mention any relevant projects or studies you’ve completed that demonstrate your understanding of the field in your cover letter.
Craft a Compelling Cover Letter:Your cover letter should tell us why you’re passionate about insurance. Share any personal experiences or what drew you into this profession. We’re looking for enthusiasm and a clear motivation for why you want to be part of our team at Vitality Corporate Services Limited.
Tailor Your CV for the Role:Don't just send a generic CV! Focus on tailoring it specifically for the insurance role at Vitality Corporate Services Limited. Highlight relevant skills such as risk management, customer service experience, or any certifications you've earned in the industry to make your application stand out.
How to prepare for a job interview at Vitality Corporate Services Limited
✨Know Your Numbers: Insurance Fundamentals
Brush up on your understanding of key insurance concepts, like underwriting principles and risk assessment. Expect the interviewer at Vitality Corporate Services Limited to throw some technical questions your way, so be ready to demonstrate your grasp of these essentials.
✨Showcase Your Analytical Side
In the insurance world, it's all about data. Prepare to discuss any analytical tools or methodologies you've used in past experiences. If you have a portfolio of projects where you've tackled complex data, bring that along to impress the team!
✨Prepare for Behavioural Questions
As a full-timer at Vitality Corporate Services Limited, they'll want to know how you handle real-life scenarios, not just theory. Think about challenges you've faced in teamwork or customer service, and how those experiences can relate to a career in insurance.
✨Know the Company Culture Inside Out
Understanding Vitality Corporate Services Limited's values and workplace culture is essential. Don’t just memorise their mission statement; think about how your personal values align with theirs. This will show your genuine interest in being part of their team long-term.
