Senior Legal Counsel - HNW Insurance

About the role

Prudential is seeking an experienced, self-driven Senior Legal Counsel to support its high-net-worth (HNW) insurance business across multiple jurisdictions. The role centres on offshore insurance policies (including Bermuda-issued policies) and cross-border distribution, ensuring compliance with applicable legal and regulatory requirements. The successful candidate works independently, advising on complex insurance and wealth solutions for HNW and UHNW clients, with the chance to help build an integrated wealth platform.

Key responsibilities

• Provide legal advice on HNW insurance products, including life, wealth planning and bespoke insurance solutions.
• Advise on offshore insurance structures, including those held under trust arrangements, with a focus on Bermuda-issued policies and other offshore jurisdictions.
• Review, draft and negotiate insurance policies, endorsements, reinsurance agreements and distribution agreements.
• Advise on cross-border insurance distribution rules, licensing and regulatory requirements across multiple jurisdictions.
• Partner with operations, compliance, risk and business stakeholders on regulatory interpretation, governance and regulatory change.
• Manage and instruct external counsel in offshore and onshore jurisdictions.
• Handle regulatory inquiries, audits or legal issues arising from HNW insurance.
• Contribute to internal policies, legal guidance and training on offshore insurance, reinsurance and cross-border distribution.

Required profile

• Qualified lawyer in a common law jurisdiction (e.g. Hong Kong, UK, Singapore or equivalent).
• 8-12+ years post-qualification experience in insurance and/or wealth-related legal work.
• Strong experience advising on HNW insurance and wealth structuring, and familiarity with premium financing structures in an HNW/UHNW context.
• Proven knowledge of offshore insurance regimes; experience with Bermuda is an advantage.
• Solid understanding of cross-border insurance distribution and related regulatory frameworks.
• In-house experience at an insurer, reinsurer, financial institution or leading insurance/private wealth law firm preferred.
• Fluency in English and proficiency in written and spoken Chinese (Cantonese and/or Mandarin) highly preferred.

Required skills

• Ability to work independently and manage complex, high-value matters.
• Strong communication, drafting, negotiation and stakeholder-management skills.
• Commercial, solution-oriented mindset.