Quality Audit Underwriter

Vitality; United Kingdom; Remote; GBP 65,000 - 85,000; Full time

Benefits offered by this job

Bonus scheme

Pension matching (up to 6%)

Vitality health insurance

Life assurance

Job summary

Vitality is seeking a senior life underwriter to lead a robust post-issue QA programme and strengthen the accuracy of automated underwriting decisions. You will diagnose disclosures, influence improvements, and support audits across new business and retrospective claim assessments.

The role requires extensive life underwriting expertise, regulatory awareness, and collaboration with underwriting and operations teams to elevate quality standards and outcomes.

Qualifications

• Senior underwriter with in-depth medical and financial knowledge in Life, Serious Illness and Income Protection.
• Good working knowledge of regulatory procedures within the industry.
• Experience with post-issue underwriting QA is advantageous.

Responsibilities

• Ensure a robust post-issue underwriting non-disclosure QA programme with Operational colleagues.
• Review monthly random and targeted samples of automated underwriting decisions and report findings.
• Identify non-disclosure trends across distribution channels and report insights.
• Recommend improvements to question sets, underwriting philosophy, and data collection.
• Report Operational Risks to the Head of Underwriting Quality and stay updated with changes to philosophy and systems.
• Provide new business underwriting audits and support retrospective underwriting of claims.

Skills

Advanced Underwriting

Audit & Analytics

Stakeholder Collaboration

Education

Life underwriting qualifications

Job description

About The Role

Team – Strategic Underwriting - Life

Working Pattern - Remote/Home based. Full time, 37.5 hours per week.

We are happy to discuss flexible working!

Top 3 skills needed for this role

• Advanced Underwriting Expertise – Deep knowledge of life, serious illness and income protection underwriting, with the ability to assess complex medical and financial risk accurately.
• Audit & Analytical Capability – Strong attention to detail with the ability to review automated decisions, identify trends in non-disclosure, and translate insights into meaningful improvements.
• Stakeholder Collaboration & Influence – Confidence working with underwriting, operational and automated underwriting teams to drive improvements, challenge processes and enhance overall quality standards.

What this role is all about:

At Vitality, this role sits at the heart of ensuring our life underwriting decisions truly reflect the needs of our members while maintaining the highest standards of accuracy and integrity. You’ll play a key role in strengthening confidence in our automated underwriting engine by leading a robust post‑issue audit programme, helping us better understand application disclosures and continuously improve outcomes. Alongside this, you’ll contribute to new business underwriting quality audits and support retrospective claim assessments, giving you broad exposure across underwriting and making a meaningful impact on how we evolve and enhance our approach. You will be a life underwriting expert who lives and breaths life insurance.

Key Actions

• Ensure a robust post‑issue underwriting non‑disclosure QA programme is in place, working with Operational colleagues; ensure post‑issue communications are sound and evidence collation is appropriate.
• Review monthly random and targeted samples of automated underwriting system decisions, completing findings on the post‑issue audit log and issuing a monthly summary report.
• Ascertain the non‑disclosure rate of policies across each distribution channel, supporting training and development by identifying and reporting trends where non‑disclosure can be improved.
• Liaise with the Automated Underwriting Team to recommend improvements to question sets and/or underwriting philosophy, and suggest enhancements to data collection to maintain an effective audit process.
• Report Operational Risks promptly to the Head of Underwriting Quality, discussing mitigation actions, and stay up to date with changes to underwriting philosophy, processes, systems, reinsurance manuals and internal guidelines.
• Provide new business underwriting audits as required and support retrospective underwriting of claims.

What do you need to thrive?

• Experience at a senior underwriter level with in-depth medical and financial knowledge in respect of Life cover, Serious Illness and Income Protection. Familiar with concepts of a post issue underwriting QA.
• Good working knowledge of regulatory procedures/requirements within the industry
• Relevant life medical or underwriting qualifications

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!

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 Us

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.

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. #LI-Hybrid

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.