Head of Product & Underwriting Propositions

This role is central to shaping TAL’s future by designing innovative product and underwriting propositions that deliver better outcomes for customers and support sustainable growth in our Individual Life business. Operating at the intersection of strategy, data and customer insight, it transforms how we meet evolving needs—unlocking new opportunities, strengthening our competitive position, and redefining the role insurance plays in people’s lives. With a focus on recovery and prevention, this role helps move beyond traditional protection, enabling TAL to create lasting, positive impact for the Australians we serve.

In this role you will:
• Lead innovative underwriting propositions that unlock growth across new and existing portfolios 
• Develop modern underwriting approaches that expand access to new and underserved customer segments 
• Embed data, medical insight and technology into propositions to drive better customer and business outcomes 
• Design product propositions that shift from protection to recovery, prevention and long term wellbeing 
• Challenge traditional models to create differentiated, flexible and customer centric solutions 
• Influence strategic decisions by translating complex concepts into clear, compelling insights for senior leaders

• Deep experience in life insurance or financial services, with strengths in underwriting and product thinking
• Proven ability to develop and evolve propositions across retail and direct channels
• Strong commercial and analytical mindset, with the confidence to make sound decisions in ambiguity
• Skilled at building relationships and influencing senior stakeholders and industry partners
• Comfortable using data, technology and automation to improve customer and business outcomes
• Naturally curious, customer-focused and open to thinking differently to challenge the status quo

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.

#LI-Hybrid 

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.