• Application Deadline:
• Position: Life Underwriter



• Job Type Full Time



• Qualification BA/BSc/HND



• Experience 3 - 5 years



• Location Lagos




• Job Field Insurance 
  
  

Job Summary

• The Life Underwriter is responsible for evaluating life insurance applications and determining the risk eligibility of applicants in line with company policies and regulatory requirements.


• This role involves analyzing medical report, financial, occupational, and lifestyle information to assess mortality risk and ensure sound underwriting decisions that align with the company’s risk appetite and profitability goals.

Key Responsibilities

• Review and assess life insurance applications for completeness and accuracy.


• Evaluate risk based on medical history, financial background, lifestyle, and occupation using underwriting guidelines and automated systems.


• Interpret medical reports, attending physician statements (APS), lab results, and paramedical exams.


• Make accurate decisions regarding approval, rating, postponement, or denial of life insurance applications within assigned authority limits.


• Collaborate with reinsurance partners for facultative underwriting cases.


• Communicate effectively with agents, brokers, and internal stakeholders to clarify underwriting decisions.


• Maintain up-to-date knowledge of underwriting guidelines, medical advancements, and regulatory changes.


• Ensure compliance with internal policies, industry standards, and legal requirements.


• Assist in training junior underwriters and supporting underwriting audits, if applicable.


• Contribute to continuous improvement in underwriting practices and risk assessment tools.

Qualifications and Experience

• Bachelor’s degree in insurance, business, health sciences, or related field.


• Certification or working toward a professional designation


• Minimum 3-5 years of experience in life insurance underwriting.


• Strong understanding of medical terminology, underwriting guidelines, and mortality risk factors.


• Experience working with automated underwriting systems and reinsurance platforms.


• Excellent analytical, decision-making, and organizational skills.


• Strong verbal and written communication abilities.


• Attention to detail and ability to work independently and under pressure.

Key Competencies:

• Risk Assessment


• Medical & Financial Analysis


• Communication & Interpersonal Skills


• Confidentiality & Professionalism


• Decision-Making


• Regulatory Compliance


• Customer Focus


• Team Collaboration.