High net worth underwriter

Job Description

About The Role 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, youll 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. Youll 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, whats most important is a strong foundation in life underwriting, so if youve built solid experience and are ready to step into a more specialised space, wed love to hear from you. As a senior member of the team, youll 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, whats 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! If you are successfulin your application and join us at Vitality, this is our promise to you, we will:

• Help you to be the healthiest youve 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 The Company Were incredibly proud to be recognised for the culture we've created recently being named one of Glassdoors 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. Weve 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. Were 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 were the right fit for you? We cant wait. 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.

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