Life Claims Assessor Specialist (UK Based)

Vitality; Stockport; Hybrid; GBP 30,000 - 42,000; Full time

Job summary

Vitality is seeking a Claims Assessor Specialist to evaluate Life Cover, Terminal Illness, and Critical Illness claims in line with UK best practices. The role is primarily home-based with occasional access to Vitality locations in Stockport, Bournemouth or London.

You will assess claim validity, review evidence, collaborate with underwriters and reinsurers, mentor junior staff, and help drive fair, timely outcomes in a supportive team environment.

Qualifications

• Experience assessing Life Cover, Terminal Illness, and Critical Illness claims.
• Strong understanding of the UK insurance market and regulatory environment.
• Proven experience working with reinsurers.
• Ability to present ideas confidently and deliver training to peers.
• Advanced verbal and written communication skills.

Responsibilities

• Assess the validity of submitted claims following UK best practices.
• Review medical evidence and request information where needed; draft decision letters.
• Identify fraud, non‑disclosure, misrepresentation, or pre‑existing conditions.

Skills

Medical & Claims Assessment

High‑Level Communication

Education

CII Claims qualification

Tools

Microsoft Word

Microsoft Excel

+PowerPoint

Job description

About The Role

Team – Claims

Working Pattern - Home working however, may be required to go into a Vitality location ad hoc (Stockport, Bournemouth or London)

Key skills required for this role:

• Medical & Claims Assessment Expertise
• High‑Level Communication Skills (Written & Verbal)

As a Claims Assessor Specialist, you will be responsible for assessing Life Cover, Terminal Illness, and Critical Illness claims in line with current UK industry best practice.

Although this role is primarily home‑based, there may be occasions when you are required to attend the office.

Responsibilities

• Assess the validity of submitted claims, ensuring all decisions are made in accordance with industry‑leading UK claims practices. This includes reviewing medical and supporting evidence, obtaining further information where required, and drafting and issuing clear, accurate decision letters and related correspondence.
• Identify potential concerns such as fraud, non‑disclosure, misrepresentation, or pre‑existing conditions.
• Collaborate with strategic underwriters, management, reinsurers, and other key stakeholders to ensure fair, timely, and accurate claim outcomes.
• Provide mentoring and coaching to junior team members, which may include facilitating case study sessions, delivering training on specialist topics, and supporting their technical development.
• Assist in complaint resolution, ensuring thorough investigation and professional communication throughout the process.

Essential Skills & Experience

• Experience assessing and managing Life Cover and tiered Critical Illness claims.
• Strong understanding of the UK insurance market and regulatory environment.
• Proven experience working with reinsurers.
• Ability to present ideas confidently and deliver training to peers.
• Advanced verbal and written communication skills.
• Intermediate proficiency in Microsoft Word, Excel, PowerPoint, and other common Office applications.
• CII Claims qualification.

About Us

We’re incredibly proud to be recognised for the culture we've created — recently being named one of Glassdoor’s Best Places to Work 2026, and in 2024 we were delighted to be awarded Top 10 Places to Work in the Sunday Times Awards.

Vitality is a multi-award-winning UK insurance brand, here to make the world a healthier, happier place. We’ve been a purpose and values-driven business from day 1- long before it became fashionable. Our core purpose is to make people healthier and enhance protect their lives. Vitality pioneered shared-value insurance. We incentivise people to live healthier longer lives – they benefit, our business benefits, and society benefits. We’re successful because we attract, develop, and retain the best people – and because we care.

Plus, you get to join our 1.7+ million members with access to our unique health insurance and healthy living programme. Just to make sure you know our products inside and out.

Ready to find out if we’re the right fit for you? We can’t wait.

Diversity & Inclusion

At Vitality, we’re committed to diversity and inclusion because it’s good for our employees, for our business, and for society. We welcome applications from individuals of all backgrounds, experiences, and perspectives.

Vitality’s approach to sustainability

Vitality is a business that drives positive change. We reward people for making and sustaining healthier choices. But healthy people also need a healthy environment. To learn more please visit our Careers page.