Junior Life Medical Underwriter

Legal & General; Cardiff; Hybrid; GBP 25,000 - 45,000; Full time

Job summary

An established industry player is looking for a Junior Life Medical Underwriter to join their dynamic team. This exciting role involves accurately assessing customer applications for life and disability insurance, ensuring compliance with service levels while delivering exceptional customer experiences. You'll leverage your underwriting expertise to identify risk factors and communicate effectively with clients and stakeholders. Join a forward-thinking company that values performance and offers a supportive work environment with opportunities for career growth and a comprehensive benefits package. If you're passionate about making a difference in financial services, this role is for you.

Benefits

Annual performance-related bonus

Generous pension contribution

Life assurance

Private medical insurance

At least 25 days holiday

Competitive family leave

Electric car scheme

Discounts on products and stores

Wellbeing-focused office spaces

Qualifications

• Experience in underwriting protection products is essential.
• Thorough understanding of mortality and morbidity risk factors required.

Responsibilities

• Assess and document life and disability risks from applications.
• Ensure exceptional customer experience and service levels are met.

Skills

Underwriting protection products

Risk assessment for mortality and morbidity

Excellent written communication skills

Excellent verbal communication skills

Job 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

We’re recruiting for a Junior Life Medical Underwriter to join us. We’re offering a competitive base salary. Reviewing customer applications to identify risk factors to assess whether we can offer Life, Critical Illness Cover and Income Protection applications.

We offer both home based or hybrid opportunities dependant on location, so will be happy to discuss at stage of application.

What you'll be doing:

• Accurately assessing and documenting life and disability risks by reviewing applications and deciding which terms, if any, can be offered up to the value based on your autonomy level
• Addressing customer requirements in an efficient and professional manner and ensuring that the agreed service levels are met or exceeded so that exceptional customer experience is delivered
• Ensuring any requests for further information are appropriate and accurate and commensurate with the risk being assessed, ensuring the customer journey is not impacted unnecessarily
• Identifying complaints and escalating to an authorised complaints handler so that they are acted upon quickly and root causes highlighted to ensure compliance with complaints response time limits
• Taking ownership of maintaining an excellent knowledge and understanding of legislative and regulatory requirements
• Communicating with internal, external customers and third parties in a professional and efficient manner via all methods of communication, ensuring customer satisfaction is maximised and expectations met by obtaining and giving the correct information

QualificationsWho we're looking for:

• Experience underwriting protection products
• Thorough understanding of the risk factors for mortality and morbidity, as well as financial Underwriting
• Extensive knowledge of all protection products
• Understanding of legislations and regulatory requirements would be preferable
• Excellent Written and verbal communication skills

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
• Private medical insurance (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
• There are the many discounts we offer – both for our own products and at a range of high street stores and online
• In 2023, some of our workspaces were redesigned. Our offices are great spaces to connect and collaborate and have your wellbeing at the heart

Additional Information

Legal & General is a leading financial services group and major global investor, named Britain’s Most Admired Company in 2023, for the second year running. Rated top in our sector and top for inspirational leadership, we have a strong heritage and an exciting future.

We aim to build a better society for the long term by investing our customers’ money in things that make life better for everyone.

If you join us, you’ll be part of a welcoming 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 strive to be open, mindful and inclusive, so are always willing to discussing flexible working arrangements and reasonable accommodations for candidates with specific needs.

If you’re open to find out more, we'd love to hear from you.

Seniority level

Not Applicable

Employment type

Full-time

Job function

Finance