Background

The Individual Life Underwriter is a key revenue enabling role responsible for assessing and underwriting new retail life insurance business. The role ensures strong risk management, fast turnaround times, regulatory compliance, and a consistently high quality customer experience.

Key Responsibilities

• Underwrite retail life insurance proposals in line with company underwriting guidelines and approved risk appetite.
• Maintain accurate and up to date policy data on the Life Administration System.
• Prepare and manage policy documentation and related administrative processes.
• Handle retail underwriting aspects of complaints and claims within agreed service timelines.
• Perform premium lodging and reconciliation, including computation of commissions.
• Support retail reporting, internal audits, and regulatory compliance requirements.
• Work closely with Sales, Finance, Claims, Reinsurance, and Operations teams to support premium growth and service excellence.
• Contribute to process improvements, system enhancements, and underwriting training for sales teams.

Key Performance Outcomes

• Fast and accurate policy issuance.
• High-quality underwriting decisions that balance business growth with sound risk management.
• Minimal errors, premium leakage, and audit exceptions.
• Improved customer confidence through consistent, transparent, and fair underwriting practices.

Qualifications

• Grade 12 Certificate with a minimum of 5 O’ Levels (Credit or better).
• Diploma in Insurance or any business-related qualification.
• A degree will be an added advantage.
• Minimum of three (3) years’ experience in individual life underwriting or a similar role.

• Underwrite retail life insurance proposals in line with company underwriting guidelines and approved risk appetite.
• Maintain accurate and up to date policy data on the Life Administration System.
• Prepare and manage policy documentation and related administrative processes.
• Handle retail underwriting aspects of complaints and claims within agreed service timelines.
• Perform premium lodging and reconciliation, including computation of commissions.
• Support retail reporting, internal audits, and regulatory compliance requirements.
• Work closely with Sales, Finance, Claims, Reinsurance, and Operations teams to support premium growth and service excellence.
• Contribute to process improvements, system enhancements, and underwriting training for sales teams.

• Risk management
• Regulatory compliance
• Customer experience
• Underwriting
• Policy administration
• Claims handling
• Premium lodging and reconciliation
• Reporting
• Audit support
• Process improvement
• System enhancement
• Training

• Grade 12 Certificate with a minimum of 5 O’ Levels (Credit or better).
• Diploma in Insurance or any business-related qualification.
• A degree will be an added advantage.
• Minimum of three (3) years’ experience in individual life underwriting or a similar role.