Senior Underwriter - Individual Annuities

Aviva plc; Norwich; On-site; GBP 80,000 - GBP 100,000; Full time

Job summary

A leading insurance company in the United Kingdom is seeking an experienced Senior Underwriter for the Individual Annuities team. This role involves making expert underwriting decisions, mentoring team members, and improving customer journeys. The ideal candidate will have a strong background in medical underwriting, excellent organizational skills, and a commitment to customer outcomes. Competitive salary and tremendous benefits are offered, promoting a supportive and inclusive work environment.

Benefits

Competitive salary

8% annual bonus opportunity

Generous pension scheme

29 days holiday plus bank holidays

Aviva-funded Private Medical Benefit

Discount on Aviva products

Matching Share Plan

Paid volunteering days

Flexible benefits including sustainability options

Wellbeing support and tools

Qualifications

• Proven experience as a Medical Underwriter with knowledge of Individual Annuities.
• Strong understanding of complaints handling and GDPR.
• Excellent planning, prioritization and organizational skills.

Responsibilities

• Make expert underwriting decisions on complex Individual Annuities and Long-Term Care cases.
• Work closely with IA quotes teams and reinsurers for timely quotes.
• Develop colleagues and improve customer journeys.

Skills

Medical Underwriting experience

Knowledge of Individual Annuities

Planning and organizational skills

Mentoring abilities

Customer focus

Job description

Senior Underwriter – Individual Annuities

Salary : Competitive

This is a great job for someone who is an experienced Medical Underwriter with deep knowledge of Individual Annuities and a passion for delivering great outcomes for customers at a pivotal moment in their lives. If you enjoy solving complex underwriting challenges, mentoring others, and want to help shape the future of retirement income at Aviva, this could be the perfect next step for you.

A bit about the job:

Help shape the future of retirement income at Aviva. We’re looking for a Senior Underwriter to join our Individual Annuities team – a business that plays a vital role in supporting customers through retirement by providing guaranteed income for life. With a target of £1.5bn PVNBP in 2026, this is an exciting time to make an impact.

You’ll make expert underwriting decisions on complex Individual Annuities (IA) and Long-Term Care (LTC) cases, ensuring fair outcomes for customers and for Aviva. You’ll work closely with IA quotes teams, non‑advised sales, and reinsurers to deliver accurate, timely annuity quotes. You’ll also play a key role in developing colleagues and improving customer journeys and processes across the team.

Skills and experience we’re looking for:

• Proven experience as a Medical Underwriter with knowledge of Individual Annuities product features and underwriting processes prefered.
• Strong understanding of complaints handling, breach procedures, GDPR and relevant legislation.
• Excellent planning, prioritisation and organisational skills.
• A natural mentor who role models Aviva’s values: Care, Community, Commitment, Confidence.
• Customer‑focused with a sound understanding of risk management.

What you’ll get for this role:

Our purpose - with you today, for a better tomorrow – is a promise we make to our colleagues too. And one of the ways we live up to that promise is by investing in you. We have so much to offer when it comes to being an Aviva colleague.

• Salary - Competitive (depending on location, skills, experience, and qualifications)
• Bonus opportunity - 8% of annual salary Actual amount depends on your performance and Aviva’s.
• Generous pension scheme - Aviva will contribute up to 14%, depending on what you put in.
• 29 days holiday plus bank holidays, and you can choose to buy or sell up to 5 days
• Aviva-funded Private Medical Benefit to help you get expert support when you need it
• Make your money go further - Up to 40% discount on Aviva products, and other retailer discounts
• Up to £1,200 of free Aviva shares per year through our Matching Share Plan and share in the success of Aviva with our Save As You Earn scheme
• Brilliantly supportive policies including parental and carer’s leave
• Flexible benefits to suit you, including sustainability options such as cycle to work
• Make a difference, be part of our Aviva Communities and use your 3 paid volunteering days to help others
• We take your wellbeing seriously with lots of support and tools

Take a look to learn more. Put a salary into this calculator to see what your total Aviva Reward could be.

Aviva is for everyone:

We’re inclusive and welcome everyone – we want applications from all backgrounds and experiences. Excited but not sure you tick every box? Even if you don’t, we would still encourage you to apply. We also consider all forms of flexible working, including part time and job shares.

We flex locations, hours and working patterns to suit our customers, business, and you. Most of our people are smart working – spending at least 50% of their time in our offices every week - combining the benefits of flexibility, with time together with colleagues.

To find out more about working at Aviva take a look here