Career Opportunities

Reporting into:

The role reports to the Head of Life and Health Underwriting.

Job Summary:

The Underwriter is responsible for assessing, evaluating, and underwriting insurance risks in alignment with company underwriting guidelines, regulatory requirements, and market best practices. This role ensures that underwriting decisions support the company’s profitability, risk appetite, and customer value proposition.

The Underwriter collaborates closely with sales, operations and other teams to ensure that underwriting practices are consistent, data-driven, and responsive to evolving market and regulatory dynamics.

Main Responsibilities:

Risk assessment & underwriting

• Evaluate insurance applications, determining risk acceptability and appropriate terms.
• Apply underwriting guidelines to ensure sound risk selection.
• Review medical, occupational and financial information to assess risk profiles.

 Policy Issuance & Documentation

• Ensure accurate and timely issuance of underwriting decisions.
• Maintain comprehensive records for audit and compliance purposes.

 Market & Portfolio Analysis

• Support the development of underwriting strategies based on market insights and claims experience.

 Regulatory Compliance

• Ensure underwriting practices are aligned with applicable insurance regulations, internal policies, and evolving regulatory expectations.
• Support internal audits and regulatory reviews with accurate documentation and reporting.

 Cross-functional Collaboration

• Work with sales, operations and claims teams to align day-to-day operations and maximise customer service.
• Provide underwriting support to intermediaries and internal stakeholders.
• Participate in presentation and training sessions to intermediaries and internal stakeholders
• Be a liaison between intermediaries to address underwriting queries relating to their application portal.

 Customer & Sales Distribution Engagement

• Communicate underwriting decisions clearly and professionally.
• Support relationship management by offering underwriting insights and solutions.

 Performance Monitoring & Reporting

• Track underwriting KPIs such as medical statistics, turnaround times and approval rates.
• Contribute to continuous improvement initiatives through data analysis and feedback loops.

Accountabilities:

• Accountable for the quality, consistency, and profitability of underwriting decisions.
• Directly impacts the company’s risk exposure and financial performance through sound underwriting practices.
• Supports regulatory compliance and enhances customer trust through transparent and fair underwriting processes.

Skills and Qualifications:

• Education: Preference will be given to applicants with Certificate in Insurance or equivalent.
• Experience: Minimum 1 year in Life/Medical underwriting.
• Regulatory knowledge: Good understanding of local insurance regulations.
• Core competencies: Analytical thinking, attention to detail, decision-making, written and verbal communication in English.

Those who are interested are kindly requested to send their C.V. together with the covering letter on mapfrecareers@middlesea.com

Summary:

The candidate will be responsible for assisting in the daily operations of the claims department. The candidate will handle day-to-day claims processes, including maturities, surrenders, and death claims, as well as manage client queries through phone and email. There will also be other tasks and responsibilities to assist the supervisor and the head of department as required.

Key Responsibilities:

• Claims Handling: Process day-to-day claims such as maturities, surrenders, and death claims accurately and efficiently.
• Ensure all claims are processed in accordance with company policies and regulatory requirements.
• Review and verify claim documents for completeness and accuracy before affecting the payment
• Client Interaction: Respond to client queries and concerns via phone and email in a timely and professional manner.
• Provide clear and accurate information regarding claim status, procedures, and requirements.
• Maintain a high level of customer service and ensure client satisfaction.
• Administrative Support: Assist in the preparation of regular reports and statistics on claims activities and outcomes.
• Maintain organized and up-to-date records of all claims and related documentation.
• Support the Claims Manager in various administrative tasks and special projects as required.
• Assist in representing the company on any court summons cases
• Assist in the compiling of complaints sheets for the COO and in compiling data and answering to requests from our lawyers in connection to OAFS complaints
• Participate in UAT testing in relation to any new products, existing bugs and any other system related process in relation to Claims
• Handle the monthly process of commission payments to the distribution network, which will include the review of commisson statements against the bank files as well as sending the respective commission statements to the agents
• Process Improvement: Identify opportunities for improving claims processing efficiency
• Provide feedback and suggestions to enhance current procedures and workflows.

Qualifications:

• Bachelor’s degree in Business Administration, Finance, Insurance, or a related field is x preferred.
• Previous experience in claims processing or a similar role within the insurance industry is preferred.
• Strong analytical skills and attention to detail.
• Excellent communication and interpersonal skills.
• Proficiency in using Microsoft Office Suite (Word, Excel, Outlook).
• Ability to work independently and as part of a team.

Key Competencies:

• Customer-focused with a commitment to providing high-quality service.
• Strong problem-solving skills and the ability to handle complex claims.
• Organizational skills with the ability to manage multiple tasks simultaneously.
• Adaptability and a proactive approach to task management.

Those who are interested are kindly requested to send their C.V. together with the covering letter on mapfrecareers@middlesea.com

Mapfre Assist Ltd in Malta is looking to recruit a Sales & Customer Representative to join its Insurance Support team. The main responsibilities of the role include handling customer enquiries and concerns, providing RFQs and concluding sales when applicable and providing product and claim information and solutions to our client’s insurance queries.

Whilst an insurance qualification or experience is an asset, Middlesea Assist provides full on the job training together with a buddy system to ensure the ideal learning environment is provided for the candidate without jeopardizing the level of service given to all its customers.

Job Responsibilities and Duties:

Duties to include but are not limited to:

• Provide first-line insurance customer support
• Handling of incoming calls, chats and emails in the most professional and efficient way in line with the company’s standards
• Working closely with other internal departments in resolving customer queries
• Issuing and sending client documentation

Qualifications and Skills: 

• Minimum of secondary level of education
• Fluency in written and spoken Maltese and English
• Be computer literate and familiar with Microsoft Office application
• Must be outgoing and have a positive attitude together with the ability to relate well with our customers
• Be an excellent team player and work well under pressure
• Portray problem-solving skills and a strong customer-oriented attitude
• Telephone etiquette, communication and organisational skills are a must
• Experience in the following sectors is considered an asset: Insurance, Contact Centre, Customer Care

Benefits upon employment:

• Paid breaks and comfort breaks
• Towing and Home Assistance benefit
• Discounted insurance products
• On-the-job training throughout your career

After successful completion of the probation period candidate will be entitled to: 

• 1-2 days hybrid working
• Birthday leave
• Off-peak leave
• Production bonus
• Health Insurance
• Variable salary
• Sponsorships for professional qualifications and training

Applicants are kindly requested to send a CV together with a covering letter on mapfrecareers@middlesea.com