Remote Life & Protection Underwriter - Senior

The Emerald Group; United Kingdom; Remote; GBP 42,000 - 56,000; Full time

Job summary

The Emerald Group client is seeking a Life Medical Underwriter to review customer applications for Life, Critical Illness Cover and Income Protection on a remote basis. You will assess risk factors, determine terms, and support the underwriting process while ensuring regulatory compliance and accurate documentation.

The role requires experience in UK medical underwriting, protection products, and strong written and verbal communication.

Qualifications

• Experience in underwriting protection products
• Experience in UK medical underwriting (essential)
• Understanding of mortality, morbidity and financial underwriting
• Excellent written and verbal communication skills

Responsibilities

• Review applications to identify risk factors for Life, Critical Illness Cover and Income Protection
• Decide terms based on autonomy level and risk profile
• Lead or participate in projects to enhance underwriting processes
• Provide accurate information requests to avoid unnecessary customer journey impact
• Document all work daily for clear communications and decision-making
• Maintain up-to-date knowledge of regulatory requirements
• Communicate effectively with stakeholders to ensure compliance

Skills

Underwriting

Risk assessment

Communication

Job description

The Emerald Group client is seeking a Life Medical Underwriter to review customer applications for Life, Critical Illness Cover and Income Protection on a remote basis. You will assess risk factors, determine terms, and support the underwriting process while ensuring regulatory compliance and accurate documentation.

The role requires experience in UK medical underwriting, protection products, and strong written and verbal communication.