Quality Audit Underwriter

Team – Strategic Underwriting - Life

Working Pattern - Remote/Home based. Full time, 37.5 hours per week.

We are happy to discuss flexible working!

• Advanced Underwriting Expertise – Deep knowledge of life, serious illness and income protection underwriting, with the ability to assess complex medical and financial risk accurately.
• Audit & Analytical Capability – Strong attention to detail with the ability to review automated decisions, identify trends in non-disclosure, and translate insights into meaningful improvements.
• Stakeholder Collaboration & Influence – Confidence working with underwriting, operational and automated underwriting teams to drive improvements, challenge processes and enhance overall quality standards.

At Vitality, this role sits at the heart of ensuring our life underwriting decisions truly reflect the needs of our members while maintaining the highest standards of accuracy and integrity. You’ll play a key role in strengthening confidence in our automated underwriting engine by leading a robust post‑issue audit programme, helping us better understand application disclosures and continuously improve outcomes. Alongside this, you’ll contribute to new business underwriting quality audits and support retrospective claim assessments, giving you broad exposure across underwriting and making a meaningful impact on how we evolve and enhance our approach.

You will be a life underwriting expert who lives and breaths life insurance.

• Ensure a robust post‑issue underwriting non‑disclosure QA programme is in place, working with Operational colleagues; ensure post‑issue communications are sound and evidence collation is appropriate.
• Review monthly random and targeted samples of automated underwriting system decisions, completing findings on the post‑issue audit log and issuing a monthly summary report.
• Ascertain the non‑disclosure rate of policies across each distribution channel, supporting training and development by identifying and reporting trends where non‑disclosure can be improved.
• Liaise with the Automated Underwriting Team to recommend improvements to question sets and/or underwriting philosophy, and suggest enhancements to data collection to maintain an effective audit process.
• Report Operational Risks promptly to the Head of Underwriting Quality, discussing mitigation actions, and stay up to date with changes to underwriting philosophy, processes, systems, reinsurance manuals and internal guidelines.
• Provide new business underwriting audits as required and support retrospective underwriting of claims.

• Experience at a senior underwriter level with in-depth medical and financial knowledge in respect of Life cover, Serious Illness and Income Protection. Familiar with concepts of a post issue underwriting QA.
• Good working knowledge of regulatory procedures/requirements within the industry
• Relevant life medical or underwriting qualifications

• Bonus Schemes – A bonus that regularly rewards you for your performance
• A pension of up to 12%– We will match your contributions up to 6% of your salary
• Our award-winning Vitality health insurance – With its own set of rewards and benefits
• Life Assurance – Four times annual salary

These are just some of the many perks that we offer! To view the extensive range of benefits we offer, please visit our careers page.

Fantastic Benefits. Exciting rewards. Great career opportunities!

• Help you to be the healthiest you’ve ever been
• Create an environment that embraces you as you are and enables you to be your best self
• Give you flexibility on how, where and when you work
• Help you advance your career by playing…