Job Description

• Join us in shaping the future of the insurance industry, driven by innovation and a 150-year legacy of protecting people
• Our competitive benefits package includes everything from financial literacy to health and wellness initiatives, designed with your well-being in mind
• Opportunity open nationally, Brisbane, Sydney, or Melbourne
  

Your work at TAL will have a direct impact on the lives of over 5 million Australians, often during their most challenging times. Alongside our partners, you’ll contribute to meaningful work that makes a difference. 

We’re committed to being proactive and accountable, enhancing how we work and collaborate to get things done. Our values – respect, commitment, and resourcefulness – guide us as we deliver on our purpose, working with governments, industry colleagues, and partners to make a lasting impact. 

We also do what’s right by giving back. Through volunteering, championing equity, health, and sustainability, we actively support our community. 

This specialist role is focused on retrospective underwriting within TAL’s Group insurance business, where you will assess non-disclosure identified at claim or underwriting stages and provide formal underwriting opinions.

You will determine appropriate remedies under relevant legislation and communicate decisions through high-quality written outcomes, including procedural fairness and decision letters.

Partnering with Claims, Underwriting and Dispute Resolution teams, you will also support complex complaint matters and external review processes. This role requires deep underwriting expertise, strong technical judgement, and the ability to navigate sensitive, high-impact decisions.

In this role you will:

• Deliver clear, evidence-based retrospective underwriting decisions to ensure fair and consistent customer outcomes.
• Evaluate non-disclosure cases within agreed timeframes, supporting timely claims and underwriting decisions.
• Partner with claims, operations and IDR/EDR teams to resolve complex and sensitive customer matters.
• Provide informed input on complaints and litigated cases, supporting balanced and compliant resolutions.
• Uphold underwriting standards and philosophy to protect portfolio integrity and commercial outcomes.
• Contribute insights from case assessments to support continuous improvement in underwriting practices.

Qualifications

• Bring deep expertise in life insurance underwriting, enabling confident and balanced decision-making.
• Apply strong knowledge of industry standards and regulations to support fair and compliant outcomes.
• Use sound judgement to assess risk and make timely, well-informed decisions.
• Communicate clearly and collaborate effectively across teams to resolve complex matters.
• Work autonomously with a high level of accuracy, efficiency and attention to detail.
• Take a proactive, improvement-focused approach, using insights to challenge and strengthen underwriting practices.

Additional Information

TAL is one of Australia’s leading life insurers, committed to inclusion, and supporting the career growth of our diverse workforce. We’re proud to be:

• An Inclusive Employer – Recognised as Employer of Choice for Gender Equality by the Workplace Gender Equality Agency and Bronze Tier Status within the Australian Workplace Equality Index
• Diversity Champions – Member of Diversity Council Australia, Australian Disability Network, Pride in Diversity and Champions of Change
• Reconciliation Advocates – Read our Innovate Reconciliation Action Plan
• We welcome applications from people with diverse experiences, perspectives and backgrounds including Aboriginal and Torres Strait Islander people, caregivers, individuals living with disabilities, people from culturally diverse backgrounds and the LGBTIQ+ community.
• Need adjustments during the recruitment process? Let our team know by getting in touch with us here—we’re here to support you.

You’re always accountable for your actions. You never give up. You strive to find the best outcomes for customers and partners. And you value working together to find the best solutions for problems.

As part of the recruitment process, there are several checks which may be conducted to demonstrate your eligibility for a role at TAL including Criminal History, Bankruptcy, Entitlement to Work, Regulatory and Reference Checks.

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Everyone at TAL has a responsibility to do the right thing and is accountable for the way they conduct themselves. Our expectations are that you follow the principles set out in our Code of Conduct when you come to work every day. Risk management is everyone’s responsibility.

If you are already a TAL employee please apply via the SmartRecruiters button in Workday and navigate to the Employee Portal. This is important to ensure that your application is recorded accurately