CUSTOMER UNDERWRITER

Legal & General; City of Edinburgh; Hybrid; GBP 30,000 - 45,000; Full time

Job summary

Join a leading financial services provider as a Life Medical Underwriter, where you will assess applications for Life and Critical Illness Cover. With flexible working options and a focus on work-life balance, you'll contribute to improving customer journeys while ensuring compliance and satisfaction.

Benefits

Flexible Work Arrangements

Career Development Opportunities

Performance Bonuses

Private Medical Insurance

Qualifications

• Experience in underwriting protection products.
• Excellent communication skills.
• Knowledge of legislation/regulatory requirements (preferable).

Responsibilities

• Assess applications for Life and Disability risks.
• Lead projects to enhance underwriting processes.
• Maintain accurate records for communication and decisions.

Skills

Excellent written and verbal communication

Understanding of mortality and morbidity

Education

Experience in UK medical underwriting

Knowledge of protection products

Job description

Company Description

Legal & General supports the savings, protection, and retirement needs of around 14 million people through our portfolio of retail and workplace businesses.

Our Retail division helps people enjoy a more colourful retirement, both directly and through their employers, including Lifetime Mortgages, Retirement Interest-Only Mortgages, and financial advice on our range of lending products.

We are the UK's number one individual life insurer and also provide Group Protection products for employers—helping people to plan for the unexpected. We support home buying through our Mortgage Club, the UK's largest, and our award-winning Surveying Services team. Our fintech team finds and supports socially useful start-ups and scale-ups working in the workplace, home, insurance, and wealth areas.

Joining us means helping create brighter financial futures for all our customers.

Job Description

Are you ready to take your career to the next level? We're recruiting for a Life Medical Underwriter to join our dynamic team. You'll review customer applications to identify risk factors and assess whether we can offer Life, Critical Illness Cover, and Income Protection applications. With a competitive base salary and flexible working options, this is an opportunity you don't want to miss!

Why You'll Love Working With Us:

• Flexible Work Arrangements: Choose between home-based or hybrid opportunities, depending on your location. We ask for just one day a week in the office.
• Work-Life Balance: We offer full-time, part-time, and condensed hours to suit your lifestyle.
• Career Development: Opportunities to grow and advance in your field.

What You'll Be Doing:

• Assessing and documenting life and disability risks by reviewing applications and deciding which terms can be offered based on your autonomy level.
• Leading or participating in projects to enhance underwriting processes and improve systems and commercial viability.
• Ensuring requests for further information are appropriate, accurate, and do not impact the customer journey unnecessarily.
• Identifying complaints and ensuring they are addressed promptly, highlighting root causes for compliance.
• Maintaining accurate daily records to facilitate effective communication and business decisions.
• Staying informed of legislative and regulatory requirements.
• Communicating professionally with internal and external customers and third parties, ensuring customer satisfaction.
• Understanding service commitments made during marketing and sales to meet customer expectations.

Qualifications

• Experience in underwriting protection products.
• Experience in UK medical underwriting (essential).
• Understanding of mortality, morbidity, and financial underwriting risk factors.
• Knowledge of protection products and legislation/regulatory requirements (preferable).
• Excellent written and verbal communication skills.

We offer a comprehensive benefits package, including performance bonuses, share schemes, pension contributions, life assurance, private medical insurance, holiday entitlement, family leave, electric car schemes, discounts, and modern office spaces designed for collaboration and wellbeing.

At L&G, we value an inclusive culture, flexible working options, and the potential to develop your career. We encourage applications from diverse backgrounds and experiences. If you don't meet every criterion, consider your strengths and potential contributions.