Principal Underwriter – Life Insurance

About the role

As a Principal Underwriter in our Life Underwriting Retail Team, you’ll play an important role in delivering thoughtful, sustainable underwriting outcomes for our customers and partners. Reporting to the Chapter Lead – Underwriting, you’ll combine strong technical judgement with a genuine focus on customer care.

Key responsibilities

• Assess individual Life, TPD, Trauma and Income Protection applications across medical, financial and occupational risks.
• Make timely, high-quality decisions in line with Zurich’s underwriting philosophy and relevant frameworks.
• Provide technical underwriting support and guidance to customers, advisers, distribution partners and internal teams.
• Complete case checking and countersigning while coaching and mentoring underwriting colleagues.
• Build trusted relationships with stakeholders, reinsurers and an aligned adviser panel.
• Contribute to guideline and process improvements and represent the Retail Underwriting Team internally and externally.

Required profile

• At least seven years’ experience in an individual life underwriting role.
• Established high‑level underwriting authorities and advanced medical and financial assessment capability.
• Strong knowledge of life insurance products, industry practices, relevant legislation and regulation.
• Subject‑matter expertise in at least one life underwriting‑related area.
• Excellent written and verbal communication, time management and stakeholder engagement skills.
• ANZIIF Certificate IV in Life Insurance or equivalent and ALUCA CPLI accreditation.

What we offer

• 5 weeks of annual leave plus 15 days personal/carer’s leave and Family Care parental leave.
• Hybrid working arrangement – 3 days in the office and 2 days remote per week.
• AUD $500 wellbeing payment per year and AUD $295 new‑starter e‑voucher for home‑office setup.
• Access to award‑winning training programs and global mobility opportunities.
• Volunteer initiatives, Green Star‑rated offices and a tree planted for every new employee.