Senior Life Medical Underwriter

Legal And General Group; City of Edinburgh; Hybrid; GBP 35,000 - 50,000; Full time

Job summary

A leading company in financial services is seeking a Life Medical Underwriter to join their dynamic team in Edinburgh. The role involves reviewing applications for Life and Critical Illness Cover, assessing risk factors, and ensuring a smooth customer journey. With flexible working options and a focus on career development, this is an excellent opportunity for those with a background in medical underwriting.

Benefits

Flexible Work Arrangements

Career Development Opportunities

Generous Pension Contributions

Private Medical Insurance

At least 25 days holiday

Discounts on products and stores

Qualifications

• Experience in underwriting protection products and UK medical underwriting is essential.
• Thorough understanding of mortality and morbidity risk factors.
• Excellent written and verbal communication skills.

Responsibilities

• Assess and document life and disability risks by reviewing applications.
• Participate in projects to enhance underwriting processes.
• Communicate professionally with customers and third parties.

Skills

Communication

Risk Assessment

Regulatory Knowledge

Education

Experience in underwriting protection products

Experience in UK medical underwriting

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 – all 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. And 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 be reviewing customer applications to identify risk factors to 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 within the team to suit your lifestyle.
• Career Development: We will provide opportunities for you 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, if any, can be offered based on your autonomy level.
• Participating in or leading projects to enhance the underwriting process and improve systems and commercial viability, using your initiative, expertise, and business awareness.
• Ensuring requests for further information are appropriate and accurate, ensuring the customer journey is not impacted unnecessarily.
• Identifying complaints and ensuring they are acted upon quickly, highlighting root causes to ensure compliance with response time limits.
• Accurately recording all work daily to enable effective communication and business decisions.
• Maintaining an excellent knowledge of legislative and regulatory requirements.
• Communicating professionally and efficiently with internal, external customers, and third parties, ensuring customer satisfaction and expectations are met.
• Understanding service commitments made during marketing and sales to ensure the team can meet those expectations and customer performance and service expectations are fulfilled.

Qualifications

Who we're looking for:

• Experience in underwriting protection products.
• Experience in UK medical underwriting (essential).
• Thorough understanding of risk factors for mortality and morbidity, as well as financial underwriting.
• Extensive knowledge of all protection products.
• Understanding of legislation and regulatory requirements (preferable).
• Excellent written and verbal communication skills.

What we offer:

• Participation in our annual performance-related bonus plan and share schemes.
• Generous pension contributions.
• Life assurance.
• Private medical insurance (permanent employees only).
• At least 25 days holiday plus public holidays, increasing to 26 days after 2 years’ service, with holiday buy/sell options.
• Competitive family leave.
• Participation in our electric car scheme via salary sacrifice.
• Discounts on our products and at various stores and online.
• Modern, collaborative office spaces supporting wellbeing.

Additional Information

At L&G, we believe in generating positive returns today while building a better future for all.

Joining us means being part of an inclusive culture, with opportunities to collaborate across diverse backgrounds and experiences. Our leaders are committed to your future and wellbeing. We support career development and excellence.

We prioritize outcomes over attendance and offer flexible working options, including part-time, term-time, and job shares, where feasible.

Don’t worry if you don’t meet every criterion. Focus on your strengths, potential, and how you connect with our purpose.