Senior Life Claims Specialist – Complex UK/IE

Munich Re Group; Greater London; Sur place; GBP 75 000 - 120 000; Plein temps

Avantages offerts par ce poste

25 days annual leave

Private medical insurance

Employer's contributory pension 10%

Fully paid 6 months family leave

Résumé du poste

Munich Re Group's UK Life Branch is seeking a Senior Claims Specialist to manage complex Life, Critical Illness, Income Protection and Disability claims in the UK and Irish markets. You will combine independent claims assessment with client-facing advice, audits and training, applying medical, financial and occupational evidence while upholding policy terms and risk controls.

Collaborate across the Protection Division to strengthen underwriting quality, respond to client needs and support

Qualifications

• Substantial experience assessing complex UK protection claims, with strong technical capability in at least two of Life, Critical Illness and Income Protection or Disability claims.
• Sound understanding of policy interpretation, medical and functional assessment, financial and occupational evidence, claims investigation and reinsurance principles.
• Ability to make independent, balanced claims decisions, clearly articulate difficult recommendations and balance fair outcomes with commercial considerations.
• Experience working with insurers, reinsurers or other external stakeholders and establishing credible professional relationships.
• Excellent written communication, analytical, presentation and training skills, including the ability to explain contractual or medical concepts clearly to non-specialists.
• Strong organisation and prioritisation skills, a commitment to timely delivery, and proficiency with relevant claims workflow and Microsoft 365 systems.

Responsabilités

• Own the assessment, review and technical recommendation of large, unusual and complex Life, Critical Illness, Income Protection and Disability claims within agreed authority limits; reach timely, independent conclusions and document the evidence, reasoning and decisions clearly.
• Apply policy and treaty terms, medical and functional evidence, and financial/occupational information; identify uncertainty and elevate exceptions promptly.
• Provide clear, commercially aware and balanced advice to clients, including constructive challenge where evidence or outcomes are not adequately supported.
• Build credible relationships with designated client claims teams through proactive discussions, reviews and visits; communicate complex decisions clearly.
• Plan and undertake client claims audits, quality reviews and process assessments; produce concise findings and risk-based recommendations.
• Contribute to internal claims quality assurance and peer reviews; identify weaknesses and help test improvements.
• Support development and interpretation of UK Life Branch’s claims philosophy, guidance and administration arrangements.
• Design and deliver targeted claims training and technical discussions for clients and colleagues.
• Provide specialist claims input to client consulting, tenders and cross-functional projects; own deliverables and manage risk.
• Identify and implement improvements to claims workflows and documentation, including responsible use of automation and AI-supported tools where approved.
• Share expertise and mentor colleagues; represent Munich Re professionally in client forums and industry activities.

Connaissances

Complex UK protection claims

Technical claims judgement

Policy interpretation

Insurer/reinsurer relations

Written communication

Organisational prioritisation

Formation

CII or Claims Diploma

Outils

Microsoft 365

Description du poste

Munich Re Group's UK Life Branch is seeking a Senior Claims Specialist to manage complex Life, Critical Illness, Income Protection and Disability claims in the UK and Irish markets. You will combine independent claims assessment with client-facing advice, audits and training, applying medical, financial and occupational evidence while upholding policy terms and risk controls.

Collaborate across the Protection Division to strengthen underwriting quality, respond to client needs and support