We are seeking a detail oriented and analytically strong Life Underwriter to join our underwriting team. In this role, you will assess risk, evaluate applications, and make sound underwriting decisions that balance customer needs with business objectives. You’ll work closely with advisors, medical professionals, and internal teams to deliver accurate, timely, and customer centric outcomes.

Responsibilities

Evaluate life insurance applications by analysing medical, financial, and lifestyle information.
Assess risk in line with underwriting guidelines, regulatory requirements, and company policies.
Determine appropriate ratings, exclusions, or decisions based on risk assessment.
Request and interpret additional evidence such as medical reports, lab results, financial statements, and third party data.
Collaborate with sales teams, advisors, and customer service to clarify requirements and support proposal progress.
Maintain accurate documentation and ensure all decisions are clearly justified and compliant.
Contribute to continuous improvement of underwriting processes, tools, and guidelines.
Support training, knowledge sharing, and development of junior underwriters where required.
Stay updated on industry trends, medical advancements, and regulatory changes impacting underwriting.

Skills

Strong analytical and decision making skills.
Excellent attention to detail and ability to interpret complex information.
Clear, professional communication skills (written and verbal).
Ability to balance risk assessment with commercial awareness.
High level of integrity, confidentiality, and professionalism.
Strong organisational skills and ability to manage multiple cases simultaneously.
Comfortable working independently and within a collaborative team environment.

Qualifications & Experience

Diploma or degree in a related field (insurance, finance, science, business, or similar).
Prior underwriting experience required in Life Insurance.

About Us

LifeStar Holding plc (The Group) is a financial services company registered in Malta deriving its core business from the provision of life and health insurance products. LifeStar Insurance plc is a leading provider of insurance products in Malta – offering customers a comprehensive range of protection, savings, investment and retirement life insurance products. The insurance company operates a large network of Tied Insurance Intermediaries and forms part of The Group (LifeStar Holding plc) and has been present in Malta for six decades with a mission to be the local leader using a personalised approach and product innovation.Health insurance services are provided through LifeStar Health Ltd, which since 1971 has acted as a country representative for Bupa – the prestigious health insurance principal present across the globe. LifeStar Asset Management Ltd is also part of LifeStar Holding plc and is also active across the fund and investment markets, offering tailor-made solutions to very specific niche market. With a talented team of dedicated professionals, we are proud of our company culture, committed to achieving the highest standards and placing our clients at the centre of everything we do.

Underwriter Life Operations

Job Description