Senior Underwriter, High Net Worth – Global Leader

Pacific Life; Singapore; On-site; SGD 180,000 - 240,000; Full time

Benefits offered by this job

23 days annual leave

Healthcare coverage

Group Term Life Insurance

Job summary

Pacific Life Re in Singapore seeks a senior underwriter specializing in High Net Worth to lead technical underwriting across medical, financial and non-medical risk assessment. You will drive the HNW proposition, govern risk standards and collaborate with global markets to enable profitable growth.

With 12+ years in life insurance underwriting and a strong track record in HNW cases, you will mentor teams, shape underwriting philosophy, and support cross-functional initiatives while delivering

Qualifications

• Bachelor’s degree in a relevant discipline.
• Minimum 12 years' life insurance underwriting experience.
• Significant High Net Worth underwriting experience, ideally with a global reinsurer.
• Expert technical underwriting and risk assessment capability.
• Strong understanding of underwriting philosophy, governance and risk management principles.
• Excellent analytical, decision-making and problem-solving skills.
• Strong verbal and written communication skills.
• Demonstrated ability to build trusted stakeholder relationships.
• Ability to influence outcomes across diverse stakeholder groups and disciplines.

Responsibilities

• Assess and underwrite complex and high-value life insurance risks in accordance with underwriting philosophy, delegated authorities and risk appetite.
• Deliver sound, timely and commercially competitive underwriting decisions while maintaining strong mortality and morbidity management.
• Evaluate medical, financial and non-medical information to determine appropriate risk classification and underwriting outcomes.
• Assess large and complex cases involving significant sums assured, family wealth arrangements and other specialised HNW risk exposures.
• Determine appropriate underwriting requirements, risk mitigation strategies and referral pathways where required.
• Provide technical leadership and decision support for complex underwriting referrals and exceptional risks.
• Maintain underwriting decisions and documentation that are consistent, transparent and defensible.
• Develop and refine Pacific Life Re's HNW underwriting proposition.
• Design scalable underwriting models for future growth.
• Provide expertise for strategic initiatives and proposition reviews.
• Monitor market trends and opportunities for innovation.
• Conduct sophisticated financial underwriting assessments involving complex income structures, asset portfolios, business interests, trusts and wealth accumulation strategies.
• Evaluate insurable interest and economic justification for large life insurance exposures.
• Identify concentration risks and accumulation exposures across individuals, families, businesses and related entities.
• Support development of financial underwriting guidelines and best practices for High Net Worth business.
• Develop and maintain trusted relationships with clients, distribution partners and key stakeholders.
• Participate in client meetings, workshops, audits, training programmes and technical consultations.
• Provide technical underwriting expertise supporting business development initiatives and client retention activities.
• Contribute to Pacific Life Re's market presence through thought leadership, technical presentations and industry engagement activities.

Skills

Analytical skills

Decision-making

Problem-solving

Verbal & written communication

Stakeholder management

Influence outcomes

Education

Bachelor’s degree in a relevant discipline

Job description

Pacific Life Re in Singapore seeks a senior underwriter specializing in High Net Worth to lead technical underwriting across medical, financial and non-medical risk assessment. You will drive the HNW proposition, govern risk standards and collaborate with global markets to enable profitable growth.

With 12+ years in life insurance underwriting and a strong track record in HNW cases, you will mentor teams, shape underwriting philosophy, and support cross-functional initiatives while delivering