Claims Assessor

LV=; Exeter; Hybrid; GBP 32,000 - 42,000; Full time

Benefits offered by this job

26 days holiday

Annual bonus

Flexible benefits

Cycle to work

Private medical insurance

Dental insurance

Pension scheme

Life assurance

Income protection

EAP

Virtual GP

Parental leave

Staff discounts

Job summary

LV= Life and Pensions in the UK is seeking a Protection Claims Assessor to join our claims team in a hybrid working model. You’ll assess Life and Disability Income Protection claims, ensure decisions align with departmental procedures, and communicate clearly with customers and providers.

We value empathy, accuracy and strong numerical skills, and you’ll be supported with training and flexible arrangements. Some Exeter visits may be required for events and training with expenses covered.

Qualifications

• Life and/or Disability Income Protection claims experience.
• Empathetic communication due to nature of calls.
• Strong numerical and communication skills.

Responsibilities

• Assess Life and/or Disability claims in accordance with departmental procedures and determine benefit level.
• Ensure decisions are explainable and justified, applying fair standards.
• Comply with regulatory and departmental controls while maintaining up-to-date medical knowledge for underwriting claims.
• Correspond with internal and external customers and service providers.

Skills

Claims experience

Empathy

Numerical accuracy

Communication skills

Job description

About The Role

As a leading UK life and pensions mutual insurer with a proud history dating back to 1843, we exist to help people live financially confident lives – protecting their income while they work and maximising it when they stop. Today, over one million members and customers trust us to look after their futures, families, and finances.

Joining us means becoming part of a team that puts our members, customers, and advisers at the heart of everything we do.

We’re committed to creating an inclusive culture where colleagues can thrive. We are proud to have built a workplace where our colleagues feel welcomed, respected, supported, and valued – reflected in our recognition as one of the Financial Times UK’s Best Employers in 2025 and 2026.

We celebrate individuality and believe our differences make us stronger, so bring your true self and help shape the future of LV=.

We’re recruiting for a Protection Claims Assessor

We’re recruiting for a Protection Claims Assessor to join our dynamic team, to assess our Life and Disability claims, complying with controls which ensure claims are paid to legitimate claimants under LV’s Protection products.

This is a permanent position, which will offer flexible home working /hybrid working once fully trained and competent in the role.

Some visits to Exeter may be necessary for key events and training (all expenses will be met).

You’ll be part of a wider team and have all the support you need, so whether you’re on the doorstep of the office or a bit further away, let’s talk about what an opportunity here could look like for you.

About You

We’re looking for someone with Life and/or Disability Income Protection claims experience who is empathetic, due to the nature of calls you will be handling, a real people person! You’ll need to be able to work under pressure and have a keen eye for detail along with excellent numerical and communication skills.

Key Responsibilities

• Assess Life and/or Disability claims in accordance with specified departmental procedures, determining the level of benefit to be paid.


• Ensure that all claims decisions are capable of being explained and justified, in order to prove that fair and consistent standards are being applied.


• Comply with regulatory and statutory standards and controls, both auditory and departmental, whilst maintaining up to date medical knowledge sufficient to enable the underwriting of claims.


• Correspond and communicate with both internal and external customers and service providers.

Rewards & Benefits

This role is a Band B in the LV= salary structure.

At LV= Life and Pensions, you’ll go above and beyond to do the right thing for our customers. We’ll reward your hard work with an attractive, competitive salary and benefits package, which includes:

• 26 days' holiday – increasing after two years of service to 28 days


• The opportunity to buy or sell up to five days of holiday


• An annual bonus scheme based on company and personal performance


• Flexible benefits, including a cycle to work scheme, personal accident insurance, critical illness cover, private medical insurance, and dental insurance


• Competitive pension scheme - LV= Life and Pensions will double-match the amount you pay, up to 14% (subject to National Minimum Wage requirements)


• Group Life Assurance of four times your basic pay to your dependents (you’ll have the option to increase this to 8 x cover)


• Group Income Protection, if you enroll into the pension scheme and reach 5 years of service


• Employee Assistance Programme (EAP) service for support when you need it


• Virtual GP service


• Shared parental leave


• Up to 20% discount on our life products for you and your immediate family.

Please note all salary sacrifice benefits are subject to National Minimum Wage requirements i.e. you are unable to select any benefits that would reduce your base pay below the minimum wage threshold.

About Us

We’re proud of our inclusive culture at LV= and, as an equal‑opportunity employer, we continually work to remove unconscious bias from our recruitment process. We value our colleagues for what they bring to our team regardless of any protected status or characteristics they may have. Talk to us about flexible working as part of your application; if it’s right for you, our members and customers, and our business, then we’ll do everything we can to make it happen.

Please note that we are unable to offer Skilled Worker Visa Sponsorship for this role. Therefore, you must ensure that you are eligible to work in the UK without our sponsorship in order for your application to be considered.

Go on, bring your true self to LV=.