Senior Life Underwriter

INTELLIGENT SOLUTIONS; Dubai; On-site; AED 200,000 - 300,000; Full time

Job summary

A leading insurance provider in Dubai is seeking an experienced Senior Life Underwriter to enhance their underwriting function. In this role, you'll evaluate life and health insurance risks while ensuring compliance with standards and regulations. The ideal candidate will have over 10 years of experience in life insurance underwriting, along with a solid medical background. Excellent analytical and communication skills are essential. This position offers the opportunity to impact high-quality risk assessment within the organization.

Qualifications

• Minimum 10+ years of experience in life insurance underwriting.
• Strong understanding of human anatomy, pharmacology, and medical terminology.
• Experience with risk profiling and sound underwriting decisions.

Responsibilities

• Assess life, accident, and health insurance risks.
• Analyze insurance applications and documentation.
• Manage complex underwriting cases and ensure compliance.

Skills

Risk assessment

Medical underwriting

Analytical skills

Communication skills

Education

Bachelor’s degree in a medical-related field

Tools

Auto-underwriting systems

Job description

General Overview

We are supporting our client in the Gulf region to hire an experienced Senior Life Underwriter to strengthen their underwriting function. This role plays a critical part in evaluating life, accident, and health insurance risks while ensuring compliance with underwriting standards, medical guidelines, and regulatory requirements. The successful candidate will contribute to high‑quality risk assessment, support underwriting excellence, and collaborate closely with internal teams and external stakeholders to deliver accurate, timely, and well‑informed underwriting decisions.

Key Responsibilities

• Assess life, accident, and health insurance risks and determine appropriate underwriting terms and conditions.
• Analyze risk exposures and review insurance applications, ensuring all required documentation supports accurate risk evaluation.
• Recommend and review additional medical records, special examinations, and investigative reports as required.
• Evaluate medical case histories, laboratory results, and related documentation for completeness and accuracy.
• Present complex or high‑risk cases to senior underwriting authorities when required.
• Communicate underwriting decisions, requirements, and timelines clearly to applicants, agents, and healthcare providers.
• Manage complex underwriting cases and ensure timely follow‑up on pending requirements.
• Ensure full compliance with internal underwriting policies, regulatory guidelines, AML requirements, and reporting obligations.
• Utilize and support auto‑underwriting systems, including rule interpretation, testing, and product implementation.
• Participate in underwriting framework development, product reviews, and system enhancements as needed.
• Stay updated on legislative, regulatory, and market developments impacting underwriting practices.

Key Requirements

• Minimum 10+ years of experience in life insurance underwriting, with strong exposure to medical underwriting.
• Bachelor’s degree in a medical‑related field such as Pharmacy, Dentistry, Physical Therapy, or equivalent.
• Strong understanding of human anatomy, physiology, pharmacology, medical terminology, laboratory tests, and disease processes.
• Proven experience underwriting Life, Accident, and Health insurance risks.
• Demonstrated expertise in risk profiling and making sound medical and financial underwriting decisions.
• Hands‑on experience with auto‑underwriting systems and underwriting rule frameworks.
• Excellent verbal and written communication skills.
• Strong analytical ability, attention to detail, and structured decision‑making approach.
• Relevant professional qualifications and certifications are highly desirable.
• LOMA / ALU certifications are preferred.