Senior Life Underwriter

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.