LifeStar Insurance

LifeStar Insurance plc is a life insurance products provider in Malta – offering customers a comprehensive range of protection, savings, investment, and retirement products. LifeStar Insurance plc is a provider of insurance products in Malta – offering customers a comprehensive range of protection, savings, investment, and retirement life insurance products. The insurance company operates a large network of Tied Insurance Intermediaries and forms part of The Group (LifeStar Holding plc). The Group, through its subsidiaries, is active across the fund and investment markets and offers tailor-made solutions to a wide range of clients. The life insurance company has been present in Malta for six decades with a mission to be the local leader through its personalised approach and product innovation.

About

Underwriter Life Operations

We are seeking a detail‑oriented and analytically strong Life Underwriter to join our underwriting team. In this role, you will assess risk, evaluate applications, and make sound underwriting decisions that balance customer needs with business objectives. You’ll work closely with advisors, medical professionals, and internal teams to deliver accurate, timely, and customer‑centric outcomes.

Main tasks and responsibilities

Evaluate life insurance applications by analysing medical, financial, and lifestyle information.
Assess risk in line with underwriting guidelines, regulatory requirements, and company policies.
Determine appropriate ratings, exclusions, or decisions based on risk assessment.
Request and interpret additional evidence such as medical reports, lab results, financial statements, and third‑party data.
Collaborate with sales teams, advisors, and customer service to clarify requirements and support proposal progress.
Maintain accurate documentation and ensure all decisions are clearly justified and compliant.
Contribute to continuous improvement of underwriting processes, tools, and guidelines.
Support training, knowledge sharing, and development of junior underwriters where required.
Stay updated on industry trends, medical advancements, and regulatory changes impacting underwriting.

Educational and skill requirements

Skills and Competence

Strong analytical and decision‑making skills.
Excellent attention to detail and ability to interpret complex information.
Clear, professional communication skills (written and verbal).
Ability to balance risk assessment with commercial awareness.
High level of integrity, confidentiality, and professionalism.
Strong organisational skills and ability to manage multiple cases simultaneously.
Comfortable working independently and within a collaborative team environment.

Qualifications & Experience