Senior Underwriter - Life and Health

Location: Singapore

Salary: SGD $130,000 to $170,000 per year

We are seeking a Senior Underwriter (Life and Health) to lead complex underwriting decisions and support profitable portfolio growth across individual and/or group business. You will apply strong technical judgement, deliver consistent risk assessment, and partner with distribution, claims and pricing teams to enhance product performance and customer outcomes.

• Underwrite new business and renewals for life and health cases, including high sum assured and medically complex risks, in line with delegated authority and guidelines.


• Assess medical, financial, occupational and avocational risk factors; interpret medical evidence (e.g., attending physician statements, lab results) and financial documentation.


• Determine terms (standard, rated, exclusions, postponement or decline) and document clear rationale for audit and governance.


• Provide technical guidance, coaching and peer review to underwriters; support training and quality assurance.


• Manage relationships with brokers/agents and internal stakeholders to resolve requirements, negotiate terms and improve turnaround times.


• Contribute to underwriting philosophy, rules, manuals and automation initiatives (e.g., rules engines, straight-through processing).


• Monitor portfolio experience, emerging risks and reinsurance trends; recommend improvements to appetite and controls.


• Liaise with reinsurers on facultative submissions, negotiations and treaty compliance.


• Ensure compliance with internal policies, regulatory expectations and data privacy requirements.

• Proven experience in life and health underwriting within the insurance industry, with exposure to complex casework.


• Strong knowledge of mortality and morbidity risk assessment, medical terminology and underwriting evidence requirements.


• Experience with reinsurance processes (facultative and treaty) and stakeholder management.


• Sound commercial judgement with ability to balance risk, customer outcomes and profitability.


• Excellent written and verbal communication skills, with confidence explaining decisions to non-technical stakeholders.


• High attention to detail, strong documentation discipline and ability to work to service standards.


• Comfortable using underwriting systems and Microsoft Office; exposure to underwriting automation or digital initiatives is advantageous.


• Relevant professional insurance qualifications (or progress towards them) are preferred.

• Leadership mindset with the ability to mentor others and influence best practice.


• Strong analytical skills and a pragmatic, solutions-focused approach.


• Integrity and commitment to fair, consistent underwriting and robust governance.