• Provide analytical and operational support to Caremark Underwriting leadership • Investigate drivers of change in pricing and forecasting outputs • Identify root causes of anomalies • Coordinate with internal stakeholders to obtain clarifications, data sources, and supporting documentation • Respond to a broad range of ad hoc requests by gathering facts, performing targeted analyses, and producing clear, concise readouts for leadership and business partners • Perform diagnostic reviews to explain changes in results across pricing and forecasting tools/models • Partner with stakeholders across the underwriting ecosystem • Build and maintain “side” analyses (primarily in Excel) • Work with structured datasets and support extraction/validation of inputs and outputs using relational data concepts and SQL • Maintain organized notes, assumptions, and reference materials

• Performs department support and customer service functions, including project-related tasks, data analysis and compilation, application processing, imaging, research, problem resolution, quality assurance, and customer support. • Assists Sr Analyst and Manager with department workload and responsibilities. • Performs daily research and analysis of data discrepancies on underwriting applications and/or post-issue policies. • Communicates with external/internal parties involved in billing activities, application, and policy administration. • Handles internal and external client requests and escalates as appropriate. • Conducts internal audits to ensure departmental quality and compliance. • Supports and monitors EFAC processes and resolves client transmission errors. • Participates and leads training and process efficiencies related activities for Support Services Team. • Assists with updates to the Support Services Manual. • Collaborates with management team in complex special projects related to ceded business.

• Evaluate applications within assigned authority by analyzing medical, financial, and lifestyle risk factors to determine acceptability and appropriate classification • Exercise sound judgment to identify potential fraud and ensure compliance with underwriting guidelines • Make timely and accurate decisions while balancing risk selection, competitiveness, and customer experience • Recommend decisions and provide clear rationale on cases outside authority or of higher complexity • Order only necessary and appropriate requirements to efficiently assess risk • Manage workload to consistently meet or exceed productivity and quality expectations • Approve applications up to established authority limits (e.g., up to $3M all ages and ratings) • Collaborate with reinsurers as needed for rated cases • Build and maintain strong relationships with brokers, advisors, and internal partners • Communicate underwriting decisions clearly, professionally, and empathetically to foster trust and encourage future business • Identify opportunities to improve underwriting processes and enhance the customer experience • Contribute to departmental initiatives and special projects as directed • Provide insights and solutions to management regarding team, workflow, or operational challenges

Role Description At Zurich, we’re on an exciting journey of change and transformation. Our aim is to be the leading Retail Protection provider for advisers, customers, and colleagues alike. We’re looking for a passionate, detail-focused Large Case Underwriter to join our successful team. Large Case Underwriting is where complexity meets opportunity. You’ll be responsible for assessing high-value Life, Critical Illness, and/or Income Protection applications, often involving substantial Sum Assureds. This role goes beyond standard underwriting—requiring careful analysis of: - Automatic medical reports - In-depth medical exams - Blood tests - Financial questionnaires - Accounts You’ll work closely with our Reassurers, as well as our Sales and Pricing teams, to deliver bespoke and competitive pricing solutions. Providing timely and regular updates to advisers and building excellent working relationships will set you apart and help us deliver outstanding customer service. Many of our employees work flexibly in a variety of different ways, including part-time, flexible hours, job share, an element of working from home, or compressed hours. Please talk to us at interview about the flexibility you may need. What will you be doing? - Assess large, complex life insurance applications, making high-quality, timely decisions in line with Zurich’s philosophy and frameworks. - Make quality, timely decisions in line with the Zurich underwriting philosophy and frameworks, underwriting applications to a high standard. - Confidently analyse and interpret a wide range of medical evidence, financial documentation, and risk factors. - Liaise closely with Reassurers and internal teams to create bespoke, competitive offers for our customers. - Engage and develop excellent relationships with our strategic accounts and deliver a market-leading service. - Build and nurture strong working relationships with colleagues across Sales, Pricing, and other key functions. - Support and mentor colleagues, sharing your expertise and helping to develop our team’s capabilities. - Contribute to a culture of continuous improvement, always acting with integrity and a positive, can-do attitude. - Train and support other team members, providing coaching where needed. - Support our inbound phone line when required. Qualifications - Authority to underwrite high-value protection products (Life, Critical Illness, and/or Income Protection). - Previous experience in a large-case/high-net-worth life underwriting role. - Current underwriting authority for life cover of £1.5 million or more is preferred. - Autonomies for CI and IP preferable. - Experience in financial underwriting is essential. - Strong analytical skills and the ability to make informed decisions on complex cases. - Excellent communication skills, both written and verbal. - Experience working in a team environment, as well as independently. - High attention to detail and a proven track record of delivering quality results. - Good IT skills and familiarity with underwriting systems. Benefits - 12% defined non-contributory pension scheme. - Annual company bonus. - Private medical insurance. - Option to buy up to an additional 20 days or sell some of your holiday. - A range of other flexible benefits.