Job Description

Manulife is seeking a highly skilled and experienced Underwriter to join our High Net Worth (HNW) Underwriting team based in Singapore. As a recognized leader in the HNW insurance space, we specialize in underwriting complex and sizable life insurance applications in a dynamic and competitive market.


In this role, you will work closely with our bank and international broker distribution partners, evaluating sophisticated cases and delivering tailored underwriting solutions that meet the unique needs of affluent clients across the region.

Position Responsibilities:

Oversee all aspects of the underwriting process. Evaluate and classify risks in alignment with company philosophy and standards. Take ownership of training and mentoring junior underwriters to support their professional development. Analyze and interpret medical, non-medical, and financial information to make informed decisions within approval limits and determine appropriate requirements. Demonstrate adaptability to evolving underwriting philosophies and apply innovative approaches. Exhibit strong independent problem-solving skills, including conducting research and presenting viable solutions. Collaborate effectively with field and head office colleagues to deliver exceptional service and quality to customers. Foster and maintain positive, productive relationships with internal and external stakeholders. Consistently make competitive offers while upholding underwriting policies and mortality standards. Contribute to project teams as needed.

Required Qualifications

Minimum of 10 years' underwriting experience. Expert-level knowledge of underwriting practices and a solid understanding of the company's business operations. Awareness of current corporate and external affairs. General understanding of referral areas. Strong organizational, communication, and interpersonal skills. Excellent analytical abilities, with a proven capacity to define, research, and resolve complex issues. Proficient in both mainframe and PC environments. Demonstrated ability to build and maintain strong customer relationships. Skilled in prioritizing tasks and managing deadlines while balancing service standards with customer needs. Ability to comprehend, retain, and apply technical information to daily work. Solid understanding of insurance contract law and state legislative requirements. In-depth knowledge of the reinsurance marketplace, including underwriting strengths and weaknesses, to proactively support field operations. Thorough understanding of automatic reinsurance agreements. Expert knowledge of medical science, technology, and terminology, and their impact on mortality. Advanced understanding of financial and other non-medical underwriting factors.

When you join our team:

We'll empower you to learn and grow the career you want. We'll recognize and support you in a flexible environment where well-being and inclusion are more than just words. As part of our global team, we'll support you in shaping the future you want to see.

About Manulife and John Hancock

Manulife Financial Corporation is a leading international financial services provider, helping people make their decisions easier and lives better. To learn more about us, visit https://www.manulife.com/en/about/our-story.html .

Manulife is an Equal Opportunity Employer

At Manulife/John Hancock, we embrace our diversity. We strive to attract, develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals. We are committed to fair recruitment, retention, advancement and compensation, and we administer all of our practices and programs without discrimination on the basis of race, ancestry, place of origin, colour, ethnic origin, citizenship, religion or religious beliefs, creed, sex (including pregnancy and pregnancy-related conditions), sexual orientation, genetic characteristics, veteran status, gender identity, gender expression, age, marital status, family status, disability, or any other ground protected by applicable law.


It is our priority to remove barriers to provide equal access to employment. A Human Resources representative will work with applicants who request a reasonable accommodation during the application process. All information shared during the accommodation request process will be stored and used in a manner that is consistent with applicable laws and Manulife/John Hancock policies. To request a reasonable accommodation in the application process, contact recruitment@manulife.com .

Working Arrangement

Hybrid