Life Insurance Underwriter - Emiratization

AlFuttaim; Dubai; On-site; AED 60,000 - 80,000; Full time

Benefits offered by this job

Comprehensive training and development

Career growth opportunities

Professional work environment

Job summary

Orient Insurance PJSC, part of the Al-Futtaim Group, seeks a Life Insurance Underwriter in Dubai for Emirati graduates with strong academics and interest in life insurance. You will assess applications, review medical and financial information and make underwriting decisions within authority limits, supporting compliance and customer satisfaction.

This Emiratization role emphasizes growth in underwriting, policy administration and collaboration with brokers, sales teams, medical providers, and

Qualifications

• Emiratization: UAE Family Book required for Emirati nationals.
• UAE nationality and Family Book eligibility are mandatory.
• Bachelor's degree in Business Administration, Economics, Mathematics, Finance, Insurance or related discipline.
• Fresh graduates with strong academic credentials are eligible.
• Interest in pursuing a career in life insurance is required.

Responsibilities

• Underwrite life insurance applications in line with guidelines and regulatory requirements.
• Assess medical, financial, occupational and lifestyle information to evaluate risk.
• Review applications and documentation to support underwriting decisions.
• Approve, decline, postpone or modify coverage within delegated authority.
• Ensure timely processing of new business, renewals and endorsements.

Skills

Analytical thinking

Numerical aptitude

Attention to detail

Communication skills

Team collaboration

Education

Bachelor's degree

Tools

Microsoft Office

Job description

Life Insurance Underwriter - Emiratization Job Snapshot - Role: Life Insurance Underwriter - Emiratization - Location: Dubai, United Arab Emirates - Industry: Insurance - Function: Underwriter - Experience: Fresh graduates with strong academic credentials and an interest in life insurance are eligible - Job Type: Full Time - Work Arrangement: On-site

Position Overview

Orient Insurance PJSC, part of the Al-Futtaim Group, is seeking a motivated and analytical Life Insurance Underwriter to join its Life Insurance team in Dubai, United Arab Emirates. This Emiratization opportunity is open to UAE nationals holding a Family Book, including fresh graduates with strong academic qualifications and a genuine interest in developing a career in life insurance. The Life Insurance Underwriter will assess insurance applications, evaluate medical and financial risks, and make underwriting decisions within assigned authority limits. The role involves reviewing customer information, determining appropriate coverage terms and ensuring that underwriting activities comply with company policies and applicable regulatory requirements. Working closely with brokers, intermediaries, medical providers, sales teams and internal departments, the successful candidate will contribute to efficient policy processing, underwriting profitability, customer satisfaction and sustainable business growth.

Job Details

• Country: United Arab Emirates
• City: Dubai
• Industry: Insurance
• Function: Underwriter
• Salary: Not disclosed
• Gender: No Preference
• Candidate Nationality: Emirati
• UAE Family Book Required
• Job Type: Full Time
• Work Arrangement: On-site

What You Will Do

• Life Insurance Underwriting and Risk Assessment - Review and evaluate life insurance applications in accordance with established underwriting guidelines and regulatory requirements.
• Assess medical, financial, occupational and lifestyle information to determine the acceptability of insurance risks.
• Examine relevant application details and supporting documentation to support accurate underwriting decisions.
• Evaluate proposed coverage against the company 's underwriting standards and risk acceptance criteria.
• Approve, decline, postpone or modify insurance coverage terms within delegated underwriting authority.
• Apply sound analytical judgment when assessing individual applications and determining appropriate underwriting outcomes.
• Support underwriting profitability by maintaining disciplined risk evaluation and decision-making practices.

Policy Processing and Underwriting Administration

• Ensure timely processing of new life insurance business, policy renewals, endorsements and amendments.
• Review applications and supporting information for accuracy and completeness.
• Maintain accurate underwriting records and documentation within internal systems.
• Follow established procedures when recording underwriting decisions and coverage modifications.
• Monitor assigned underwriting activities to support departmental service level agreements.
• Maintain consistency and accuracy throughout the application assessment and policy processing stages.

Stakeholder Coordination and Communication

• Liaise with insurance brokers, intermediaries, sales teams, medical providers and customers to obtain additional underwriting information when required.
• Communicate documentation requirements and underwriting queries clearly to relevant stakeholders.
• Coordinate with internal departments to support efficient application processing.
• Work collaboratively with claims, operations and sales teams to support business growth and customer retention.
• Maintain professional relationships with internal and external stakeholders.
• Contribute to customer satisfaction by supporting timely communication and efficient underwriting services.

Regulatory Compliance and Underwriting Standards

• Ensure underwriting assessments comply with company policies, approved guidelines and applicable insurance regulations.
• Apply established underwriting authority limits when making decisions.
• Maintain accurate records to support compliance with internal procedures and regulatory requirements.
• Demonstrate integrity, professionalism and accountability when handling insurance applications and customer information.
• Support consistent application of underwriting standards across assigned activities.

Product Development and Business Support

• Provide underwriting insights and relevant market feedback to support life insurance product development initiatives.
• Identify underwriting considerations that may contribute to improvements in insurance products and processes.
• Collaborate with relevant teams to support business objectives and customer retention.
• Contribute to departmental performance by maintaining service standards and effective underwriting practices.
• Balance customer service requirements with appropriate risk assessment and underwriting profitability.

Required Qualifications and Eligibility

• Emiratization Requirement - Applicants must be Emirati nationals holding a UAE Family Book.
• UAE nationality and Family Book eligibility are mandatory requirements for this position.
• Educational Qualifications - Bachelor 's degree in Business Administration, Economics, Mathematics, Finance, Insurance or a related discipline.
• Professional Experience - Fresh graduates with strong academic credentials are eligible for consideration.
• Candidates should demonstrate a genuine interest in pursuing a career in life insurance.
• Previous professional underwriting experience is not specified as a mandatory requirement.

Skills and Competencies

• Analytical and Decision-Making Skills - Strong analytical abilities and sound decision-making skills.
• Good numerical aptitude and the ability to interpret relevant information accurately.
• Attention to detail when reviewing insurance applications and supporting documentation.
• Ability to evaluate information carefully and make decisions within established guidelines.
• Interest in understanding insurance risk assessment and underwriting practices.
• Communication and Interpersonal Skills - Excellent written and verbal communication skills in English.
• Arabic language proficiency is an advantage.
• Strong interpersonal skills and the ability to communicate professionally with different stakeholders.
• Good stakeholder management capabilities.
• Ability to work collaboratively with colleagues across underwriting, sales, claims and operations.
• Organization and Technical Skills - Proficiency in Microsoft Office applications.
• Strong organizational skills and the ability to manage multiple responsibilities.
• Ability to work under pressure and meet tight deadlines.
• Capacity to maintain accurate records and follow established procedures.
• Ability to work independently and contribute effectively within a team environment.
• Professional Attributes - High standards of integrity, professionalism and accountability.
• Customer-focused approach to insurance services.
• Willingness to learn and develop knowledge of life insurance underwriting.
• Ability to apply analytical thinking while maintaining accuracy and compliance.
• Commitment to professional development and long-term career growth.

What We Offer

• An opportunity to build a long-term career in the insurance industry.
• Comprehensive training and professional development opportunities.
• Practical exposure to life insurance underwriting and risk management.
• A professional and collaborative working environment.
• Career growth opportunities within the Al-Futtaim Group.

Career Development Opportunity

This role provides an entry point into the specialized field of life insurance underwriting for Emirati graduates interested in insurance, finance and risk assessment. The successful candidate will gain exposure to the evaluation of life insurance applications, underwriting decisions, policy administration and regulatory compliance. Through collaboration with experienced colleagues and different business functions, the position offers opportunities to develop analytical judgment, insurance industry knowledge and professional communication skills. The role is suited to candidates who are detail-oriented, comfortable working with numerical information and interested in building a long-term career within the insurance sector.

About Orient Insurance PJSC

Orient Insurance Company commenced operations in 1982 as part of the Al-Futtaim Group and has developed into an established participant in the United Arab Emirates insurance market. The company has a paid-up capital of AED 500 million and maintains its head office in Dubai. Orient Insurance serves customers through an extensive branch network covering Jebel Ali, Abu Dhabi, Al Ain, Sharjah and Ras Al Khaimah in the UAE, alongside operations in Muscat, Oman; Riyadh, Saudi Arabia; and Bahrain. The company is part of Al-Futtaim, a diversified privately held regional business established in the 1930s and headquartered in Dubai. Al-Futtaim operates across more than 20 countries, employing over 40,000 people in businesses spanning automotive, financial services, real estate, retail and health. The Group represents more than 200 internationally recognized brands, including Toyota, Lexus, IKEA, ACE and Marks & Spencer. With a focus on digital innovation, sustainable growth and customer-focused services, Al-Futtaim continues to develop its businesses while supporting its purpose of enriching lives and elevating communities.