Senior Life Medical Underwriter

Legalandgeneral; Cardiff; On-site; GBP 45,000 - 60,000; Full time

Benefits offered by this job

Performance bonus

Life assurance

Healthcare plan

Holiday entitlement 25+ days

Employee discounts

Job summary

Legal & General is recruiting a Life Medical Underwriter in Cardiff to evaluate medical and financial risk for Life Insurance, Critical Illness and Income Protection. You will work autonomously within a collaborative team, balancing risk and customer outcomes.

The role offers flexible working options and a clear path for professional development. You’ll contribute to process improvements, ensure regulatory compliance, and maintain thorough underwriting records while engaging with internal and

Qualifications

• UK medical underwriting experience is essential.
• Strong understanding of mortality and morbidity risk factors, including financial underwriting.
• Extensive knowledge of Life, Critical Illness, and Income Protection products.
• Excellent written and verbal communication skills.
• Knowledge of relevant UK legislation and regulatory requirements.
• Experience contributing to or leading underwriting improvement initiatives.

Responsibilities

• Assessing and documenting life and disability risk by reviewing applications and determining underwriting terms.
• Making underwriting decisions across Life, Critical Illness, and Income Protection with focus on outcomes and risk.
• Participating in or leading process improvement to enhance underwriting quality and efficiency.
• Requesting additional medical or financial information as appropriate without delaying the journey.
• Escalating and addressing potential complaints with root-cause analysis.
• Maintaining accurate records of underwriting activity for reporting and decision making.
• Keeping up to date with regulatory requirements and ensuring compliance.
• Communicating professionally with internal stakeholders, customers, and third parties.
• Ensuring underwriting activity aligns with sales commitments and delivery standards.

Skills

Medical underwriting

Mortality risk factors

Morbidity risk factors

Life insurance products

Critical Illness products

Income Protection

UK regulation compliance

Communication skills

Underwriting improvement

Job description

• Permanent/Regular or Fixed Term Contract/Temporary: Permanent (UK and ROW) / Regular (US)
• L&G Business Unit: Legal & General Retail
• L&G sub Business Unit: LGI
• Primary Location: Cardiff, Four Central Square

Company Description

Legal & General (L&G) is a leading UK financial services group and major global investor.

We’ve been safeguarding people’s financial futures since 1836, and strive to build a better society, while improving the lives of our customers and creating value for shareholders.

We are one of the world’s largest asset managers and provide powerful asset origination capabilities. Together, these underpin our retirement and protection solutions: we are an international player in pension risk transfer, in UK and US life insurance, and in UK workplace pensions and retirement income.

Who we are

Our Retail business supports customers throughout their lives, to help them save, plan, protect and enjoy retirement.

We’re a leading provider of retirement and protection solutions. We aim to support our c.12.8 million policyholders and workplace members throughout their lifelong financial journeys.

We focus on helping the customers of today and tomorrow achieve better long-term outcomes. We either talk with them directly or work with intermediaries and employers to meet their needs. We use the latest technology to connect with them quickly, efficiently and wherever possible in highly personalised ways.

Job Description

Are you ready to take the next step in your underwriting career? We’re recruiting a Life Medical Underwriter to join our dynamic and supportive team.

In this role, you’ll assess customer applications to evaluate medical and financial risk, helping us make informed underwriting decisions across Life Insurance, Critical Illness Cover, and Income Protection. It’s a great opportunity for an experienced underwriter who enjoys autonomy, collaboration, and making a real impact on customer outcomes.

We offer a competitive salary, flexible working, and an environment that genuinely supports your professional development.

Why you’ll love working with us:

• Flexible working options – choose from home‑based, office‑based, or hybrid working
• Work–life balance – full‑time, part‑time, and condensed hours available
• Career development – ongoing learning, development opportunities, and the chance to grow your underwriting expertise
• Supportive team culture – collaborative, knowledgeable, and customer‑focused

What you’ll be doing:

• Assessing and documenting life and disability risk by reviewing customer applications and determining appropriate underwriting terms, in line with your agreed level of autonomy
• Making underwriting decisions across Life, Critical Illness, and Income Protection, balancing risk, customer outcomes, and commercial considerations
• Participating in or leading process improvement and change initiatives to enhance underwriting quality, systems, efficiency, and commercial viability
• Requesting additional medical or financial information where appropriate, ensuring requests are proportionate and do not negatively impact the customer journey
• Identifying potential complaints and ensuring they are escalated and addressed promptly, with root causes captured to support continuous improvement and regulatory compliance
• Maintaining accurate, timely records of all underwriting activity to support reporting, communication, and effective business decision‑making
• Keeping up to date with legislative and regulatory requirements, ensuring all underwriting decisions remain compliant
• Communicating professionally and effectively with internal stakeholders, external customers, and third parties using a variety of channels
• Understanding service level commitments made during the sales process and ensuring underwriting activity supports customer expectations and delivery standards

Who we’re looking for:

• UK medical underwriting experience (essential)
• Strong understanding of mortality and morbidity risk factors, including financial underwriting
• Extensive knowledge of Life, Critical Illness, and Income Protection products
• Excellent written and verbal communication skills
• Knowledge of relevant UK legislation and regulatory requirements
• Experience contributing to or leading underwriting improvement initiatives

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
• Life assurance
• Healthcare Plan (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 (permanent employees only)
• There are many discounts we offer – both for our own products and at a range of high street stores and online
• We’re creating net‑zero carbon workplaces by 2030 by investing in our sustainable, modern offices across the UK, all designed to bring people together and elevate the in‑person experience

Additional Information

At L&G, we believe it's possible to generate positive returns today while helping to build a better future for all.

If you join us, you’ll be part of a welcoming, inclusive 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 care passionately about outcomes rather than attendance and are therefore open to discussing all kinds of flexible working options including part-time, term-time and job shares.Although some roles have limited flexibility due to customer demand, we accommodate requests when we can.

It doesn’t matter if you don’t meet every single criterion in this advert. Instead, think about what you excel at and what else you can bring in terms of strengths, potential and connection to our purpose.