High Net Worth Underwriter

CCMA - Call Centre Management Association; Greater London, Bournemouth, Stockport; On-site; GBP 80,000 - 115,000; Full time

Benefits offered by this job

Bonus scheme

Pension up to 12%

Vitality health insurance

Life Assurance

Job summary

VitalityLife is seeking a senior Life Underwriter to shape and advance our High Net Worth proposition, underwriting complex cases with precision and delivering strong financial outcomes. You’ll work with brokers, advisers and reinsurers to move large cases efficiently.

As a senior member, you’ll mentor others, champion continuous improvement, and help evolve our underwriting proposition while supporting colleagues across VitalityLife in London and via remote work.

Qualifications

• Extensive experience in life underwriting.
• Ability to build relationships with advisers, brokers, and reinsurers.
• Solutions-focused mindset for complex risk scenarios.
• Mentor others and contribute to continuous improvement.
• Independent thinker who collaborates across teams.

Responsibilities

• Underwrite complex High Net Worth (HNW) cases to the highest financial and medical standards, ensuring accuracy, quality and client outcomes.
• Partner closely with brokers and advisers to guide large cases smoothly through the underwriting journey, offering clarity and expert support.
• Collaborate with reinsurers to secure successful placement of business and maintain strong working relationships.
• Work with sales teams to develop tailored financial underwriting solutions for key clients and case requirements.
• Educate and upskill internal sales teams on the HNW underwriting process to ensure consistency and strong case management.
• Mentor and support less experienced underwriters, contributing to a high-performing and collaborative underwriting function.
• Identify opportunities to enhance and evolve the HNW underwriting proposition, helping shape a market-leading offering.

Skills

Life underwriting

Stakeholder management

Strategic problem solving

Tools

Microsoft Office

Job description

Team – Life Underwriting & Claims

Working Pattern – Remote/Home based or any of our Vitality offices (London, Bournemouth or Stockport). Full time, 37.5 hours per week.

We are happy to discuss flexible working!

Top 3 skills needed for this role:

• Expert in Life Underwriting
• Stakeholder Influence & Relationship Building
• Strategic Problem Solver

What this role is all about:

VitalityLife is looking for a standout life underwriter to play a key role in shaping and advancing our High Net Worth (HNW) proposition, strengthening our reputation for underwriting excellence and innovation. In this high‑profile opportunity, you’ll bring your life underwriting expertise to assess complex cases with confidence and precision, delivering exceptional financial and medical outcomes while acting as a trusted partner to brokers and advisers to keep major cases moving. You’ll work closely with reinsurers to secure successful placements, collaborate with sales teams to design tailored financial solutions, and share your knowledge across the business to build understanding of HNW underwriting. While experience in high net worth is advantageous, what’s most important is a strong foundation in life underwriting, so if you’ve built solid experience and are ready to step into a more specialised space, we’d love to hear from you. As a senior member of the team, you’ll also support and develop others, champion continuous improvement, and help evolve our proposition so VitalityLife continues to lead the market with credibility, expertise and forward‑thinking delivery.

Key actions:

• Underwrite complex High Net Worth (HNW) cases to the highest financial and medical standards, ensuring accuracy, quality, and excellent client outcomes.
• Partner closely with brokers and advisers to guide large cases smoothly through the underwriting journey, offering clarity, confidence, and expert support.
• Collaborate with reinsurers to secure successful placement of business and maintain strong, credible working relationships.
• Work with sales teams to develop tailored financial underwriting solutions for key clients and unique case requirements.
• Educate and upskill internal sales teams on the HNW underwriting process to ensure consistency, understanding, and strong case management.
• Mentor and support less experienced underwriters, contributing to a high‑performing and collaborative underwriting function.
• Identify opportunities to enhance and evolve the HNW underwriting proposition, helping shape a market‑leading offering.

What do you need to thrive?

• Extensive experience life underwriting
• The confidence and credibility to build strong relationships with advisers, brokers, and reinsurers.
• A solutions‑focused mindset with the ability to tackle complex problems and think creatively about risk.
• Strong communication and influencing skills, able to guide stakeholders through challenging decisions or cases.
• Proven ability to mentor others and contribute to a culture of continuous learning and development.
• Comfort working independently and making informed decisions, while also collaborating effectively across teams.
• Solid working knowledge of Microsoft Office and the organisational skills required to manage high‑value cases with precision.

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!

We will:

• 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.

Diversity & Inclusion

At Vitality, we’re committed to diversity and inclusion because it’s good for our employees, for our business, and for society. We welcome applications from individuals of all backgrounds, experiences, and perspectives.

Vitality’s approach to sustainability

Vitality is a business that drives positive change. We reward people for making and sustaining healthier choices. But healthy people also need a healthy environment. To learn more please visit our Careers page.

If we are fortunate in receiving a high volume of quality applications we may need to close this vacancy early. If you are interested, please submit your application as soon as possible.