Enhanced Annuity Underwriter

Legal & General; Cardiff; On-site; GBP 60,000 - 80,000; Full time

Benefits offered by this job

Annual bonus

Share schemes

Generous pension contribution

Life assurance

Healthcare plan

25 days holiday + elligible buy/sell

Job summary

Legal & General is recruiting an Enhanced Annuity Underwriter to join a collaborative, fast-paced customer service environment. The role focuses on assessing complex cases, applying sound judgement, and delivering fair underwriting decisions.

You will gather medical, financial and supporting information, underwrite in line with guidelines, and contribute to continuous process improvements while managing financial risk and stakeholder expectations.

Qualifications

• Proven experience in medical underwriting or healthcare/medical background.
• Strong analytical ability to interpret complex information and make sound judgments.
• Knowledge of medical risk factors and their impact on underwriting outcomes.
• Understanding of financial services, market conditions and commercial considerations.
• Clear communication to explain decisions and enable stakeholders to understand outcomes.
• Ability to work collaboratively across teams and maintain strong relationships.
• High attention to detail with ability to manage multiple priorities.
• Proactive mindset with commitment to continuous learning and improvements.

Responsibilities

• Assessing and underwriting enhanced annuity applications in line with business guidelines and risk frameworks.
• Gathering and evaluating medical, financial and supporting information to inform accurate decisions.
• Delivering fair and balanced outcomes that meet customer needs while managing financial risk.
• Using product, process and systems knowledge to provide efficient, high-quality service.
• Identifying opportunities to improve processes and contributing to continuous improvement initiatives.
• Collaborating with colleagues and stakeholders to enhance customer outcomes and service delivery.
• Maintaining accurate records across underwriting and workflow systems.
• Analyzing underwriting data and insights to support strategy, risk awareness and performance improvement.

Skills

Medical underwriting

Analytical skills

Medical risk factors

Financial services knowledge

Communication skills

Collaborative work

Attention to detail

Continuous improvement mindset

Tools

Underwriting systems

Job description

Legal & General (L&G) is a leading UK financial services group and major global investor.

We’ve been safeguarding people’s financial futures since 1836, and strive to build a better society, while improving the lives of our customers and creating value for shareholders.

We are one of the world’s largest asset managers and provide powerful asset origination capabilities. Together, these underpin our retirement and protection solutions: we are an international player in pension risk transfer, in UK and US life insurance, and in UK workplace pensions and retirement income.

Who we are

Our Retail business supports customers throughout their lives, to help them save, plan, protect and enjoy retirement.

We’re a leading provider of retirement and protection solutions. We aim to support our c.12.8 million policyholders and workplace members throughout their lifelong financial journeys.

We focus on helping the customers of today and tomorrow achieve better long‑term outcomes. We either talk with them directly or work with intermediaries and employers to meet their needs. We use the latest technology to connect with them quickly, efficiently and wherever possible in highly personalised ways.

Job Description

We’re recruiting for an Enhanced Annuity Underwriter to join us. We’re offering acompetitive base salary.

Legal & General is helping people turn their pension savings into a reliable income and supporting pension schemes in managing long‑term liabilities. Within this context, the Enhanced Annuity Underwriter plays a key role in delivering fair, accurate and customer‑focused underwriting decisions.

Working as part of a collaborative and fast‑paced customer service environment, you will assess complex cases, apply sound judgement and contribute to positive outcomes for customers. This is an opportunity for someone who enjoys analysing information, working with a range of stakeholders, and continuously improving processes in a supportive and inclusive team.

What you'll be doing:

• Assessing and underwriting enhanced annuity applications in line with business guidelines and risk frameworks
• Gathering and evaluating medical, financial and supporting information to inform accurate decision‑making
• Delivering fair and balanced outcomes that meet customer needs while managing financial risk
• Using product, process and systems knowledge to provide an efficient and high‑quality service
• Identifying opportunities to improve processes and contributing to continuous improvement initiatives
• Collaborating with colleagues and stakeholders to enhance customer outcomes and service delivery
• Maintaining accurate records across underwriting and workflow systems
• Analysing underwriting data and insights to support strategy, risk awareness and performance improvement

Who we're looking for:

• Proven experience in medical underwriting, or a strong background in the healthcare/medical field, is required
• Strong analytical skills with the ability to interpret complex information and make sound decisions
• Knowledge of medical risk factors and their impact on underwriting outcomes
• Good understanding of financial services, market conditions and commercial considerations
• Strong communication skills, with the ability to explain decisions clearly and effectively
• Ability to work collaboratively and build positive relationships across teams
• High attention to detail and strong organisational skills when managing multiple priorities
• A proactive mindset with a commitment to continuous learning and improvement

Whatever your role, we reward performance and behaviour with a package that looks after all the things that are important to you. Here are some of the benefits we offer:

• The opportunity to participate in our annual, performance‑related bonus plan and valuable share schemes
• Generous pension contribution
• Life assurance
• Healthcare Plan (permanent employees only)
• At least 25 days holiday, plus public holidays, 26 days after 2 years' service. There's also the option to buy and sell holiday
• Competitive family leave
• Participate in our electric car scheme, which offers employees the option to hire a brand‑new electric car through tax efficient salary sacrifice (permanent employees only)
• There are many discounts we offer – both for our own products and at a range of high street stores and online
• We’re creating net‑zero carbon workplaces by 2030 by investing in our sustainable, modern offices across the UK, all designed to bring people together and elevate the in‑person experience

Additional Information

At L&G, we believe it's possible to generate positive returns today while helping to build a better future for all.

If you join us, you’ll be part of a welcoming, inclusive culture, with opportunities to collaborate with people of diverse backgrounds, views, and experiences. Guided by leaders with integrity who care about your future and wellbeing. Empowered through initiatives which support people to develop their careers and excel.

We care passionately about outcomes rather than attendance and are therefore open to discussing all kinds of flexible working options including part‑time and job shares. Although some roles have limited flexibility due to customer demand, we accommodate requests when we can.

It doesn't matter if you don't meet every single criterion in this advert. Instead, think about what you excel at and what else you can bring in terms of strengths, potential and connection to our purpose.