Claims Assessor

M&R talent Ltd; United Kingdom; On-site; GBP 26,000 - 36,000; Full time

Job summary

M&R talent Ltd. is seeking an Income Protection Claims Assessor to join our collaborative team in the insurance sector.

You will assess Income Protection claims, balancing commercial judgement with fairness and empathy to deliver high-quality customer service. Ideal candidates have experience in medical, life, or personal injury claims and are comfortable working with policy terms, procedures and compliance requirements.

Qualifications

• Knowledge of insurance products and claims processes (Income Protection is beneficial).
• Understanding of underwriting concepts and policy cover.
• Familiarity with financial advisers and the claims process.
• Strong customer service skills with a compassionate and professional approach.

Responsibilities

• Assess Income Protection claims accurately in line with policy terms and procedures.
• Review ongoing claims and contribute to effective case management.
• Support customers through the claims journey from approval to return to work; handle declined claims sensitively.
• Liaise with medical professionals, financial advisers and internal teams to gather information.
• Build relationships with policyholders and deliver a smooth claims experience.
• Arrange independent assessments, home visits, and investigations where appropriate.
• Produce clear, professional correspondence to stakeholders.

Skills

Insurance knowledge

Claims processes

Underwriting concepts

Policy cover

Customer service

Organisation

Prioritisation

Communication

Sensitive conversations

Team player

Analytical thinking

Decision-making

Proactive

Willingness to learn

Job description

I am working with a longstanding client, a growing Insurance Provider who are looking for an Income Protection Claims Assessor to join their friendly and collaborative team. This role is really about the person. You could have a background in Medical Claims, Life or Personal Injury.

About the role

We’re looking for an Income Protection Claims Assessor or a Claims Assessor from a broader Insurance background to join our team, where you’ll play a key role in supporting our customers at important moments in their lives.

This is a varied and rewarding role where you’ll assess Income Protection claims, balancing sound commercial judgement with fairness and empathy. You’ll help ensure we deliver a high-quality service that supports our customers, protects our business, and reinforces our reputation as a trusted insurer.

What you’ll be doing

• Assessing and managing Income Protection claims accurately and in line with policy terms, procedures and claims philosophy
• Reviewing ongoing claims and contributing to effective case managementplansSupporting customers throughout the claims journey — from approval through to return to work, and sensitively handling declined claims where necessaryLiaising with medical professionals, financial advisers, and internal teams to gather and assess information
• Building relationships with policyholders through regular contact, helping to deliver a smooth and positive claims experience
• Arranging independent assessments, treatments, home visits and investigations where appropriate
• Producing clear and professional correspondence to a range of stakeholders
• Keeping up to date with industry developments and supporting continuous improvement of claims processes and service.

Risk, compliance and financial crime

• Ensuring all work aligns with FCA Consumer Duty principles and regulatory requirements Identifying and escalating risks or potential compliance issuesSupporting fraud prevention by recognising and reporting suspicious activity
• Adhering to Anti-Money Laundering (AML), Insurance Fraud Register (IFR) and Bribery Act requirements
• Accurately recording and maintaining evidence where financial crime issuspected

What we’re looking for

Skills and experience:

• Knowledge of insurance products and claims processes (particularly Income Protection is
• beneficial)Understanding of underwriting concepts and p
• olicy coverFamiliarity with the financial adviser
• Strong customer service skills with a compaassionate and professional approach
• Excellent organisation and prioritisation skillsConfident communicator, both written and verbal
• Able to handle sensitive or challenging conversations
• A team player who builds positive working relationships
• Strong analytical thinking and sound decision-making ability
• Proactive, with the ability to manage your own workload effectively
• A willingness to learn, develop and work towards relevant professional qualifications