Life Medical Underwriter

Job Description

We’re recruiting for a Life Medical Underwriter to join us. We’re offering a competitive base salary. You will review customer applications to identify risk factors to assess whether we can offer Life, Critical Illness Cover, and Income Protection applications. They can agree to offer the customer a policy, decide on what terms to offer, or ask for more information from either the customer or their doctor.

What you'll be doing:

1. 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.
2. Participating in or leading projects that enhance the underwriting process and improve our systems and commercial viability, including initiating such projects using your own initiative, expertise, and business awareness.
3. Ensuring requests for further information are appropriate and accurate, ensuring the customer journey is not impacted unnecessarily.
4. Identifying complaints and ensuring they are acted upon quickly, with root causes highlighted to ensure compliance with response time limits.
5. Ensuring all work is accurately recorded daily to enable effective communication and business decisions.
6. Maintaining an excellent knowledge of legislative and regulatory requirements.
7. Communicating with internal and external customers and third parties professionally and efficiently to maximize customer satisfaction and meet expectations.
8. Understanding service commitments made during marketing and sales to ensure the area can meet those expectations and customers' reasonable performance and service expectations.

Qualifications: Who we're looking for:

1. Experience underwriting protection products.
2. Thorough understanding of risk factors for mortality and morbidity, as well as financial underwriting.
3. Extensive knowledge of all protection products.
4. Understanding of legislations and regulatory requirements (preferable).
5. Excellent written and verbal communication skills.

Benefits:

We reward performance and behavior with a package that includes:

• The opportunity to participate in our annual, performance-related bonus plan and share schemes.
• Generous pension contribution.
• Life assurance.
• Private medical insurance (permanent employees only).
• At least 25 days holiday, plus public holidays, increasing to 26 days after 2 years’ service. Holiday buy/sell options available.
• Competitive family leave.
• Participation in our electric car scheme with salary sacrifice options.
• Various discounts on products and services.
• Modern, collaborative office spaces designed for wellbeing.

Additional Information

Legal & General is a leading financial services organization, recognized in 2023 for the second consecutive year. We are one of the world's largest asset managers, homebuilders, pension providers, and insurers. We foster an inclusive culture that values diversity, integrity, and leadership. We support flexible working and accommodations for candidates with specific needs. If you’re interested, we’d love to hear from you.