Senior Life Medical Underwriter

Legal & General; Cardiff; Hybrid; GBP 40,000 - 55,000; Full time

Job summary

Join a leading insurance company as a Life Medical Underwriter, where you will assess customer applications and manage risk factors for life, critical illness, and income protection. Enjoy flexible working arrangements and a supportive culture aimed at your career development. Competitive salary and generous benefits await you.

Benefits

Annual performance-related bonus

Generous pension contribution

Life assurance

Private medical insurance

At least 25 days holiday plus public holidays

Family leave and electric car scheme

Office discounts

Qualifications

• Experience in assessing and documenting life and disability risks.
• Knowledge of legislative and regulatory requirements.
• Excellent written and verbal communication skills.

Responsibilities

• Reviewing applications to identify risk factors for life and disability insurance.
• Enhancing the underwriting process and improving systems.
• Maintaining accurate records for effective communication.

Skills

Underwriting protection products

Communication

Knowledge of mortality and morbidity risk factors

Financial underwriting

Education

Experience in UK medical underwriting

Knowledge of relevant legislation and regulations

Job description

Job Description

Are you ready to take your career to the next level? We’re recruiting for a Life Medical Underwriter to join our dynamic team. You'll be reviewing customer applications to identify risk factors and assess whether we can offer Life, Critical Illness Cover, and Income Protection applications. With a competitive base salary and flexible working options, this is an opportunity you don't want to miss!

Why You'll Love Working with Us:

• Flexible Work Arrangements: Choose between home-based or hybrid opportunities, depending on your location. We ask for just one day a week in the office.
• Work-Life Balance: We offer full-time, part-time, and condensed hours within the team to suit your lifestyle.
• Career Development: We will provide opportunities for you to grow and advance in your field.

What You'll Be Doing:

• Accurately assessing and documenting life and disability risks by reviewing applications and deciding which terms, if any, can be offered based on your autonomy level.
• Participating in or leading projects to enhance the underwriting process and improve systems and commercial viability, using your initiative, expertise, and business awareness.
• Ensuring requests for further information are appropriate and accurate, ensuring the customer journey is not impacted unnecessarily.
• Identifying complaints and ensuring they are acted upon quickly, highlighting root causes to ensure compliance with response time limits.
• Maintaining accurate daily records to enable effective communication and business decisions.
• Maintaining an excellent knowledge of legislative and regulatory requirements.
• Communicating professionally with internal and external customers and third parties to maximize customer satisfaction.
• Understanding service commitments made during marketing and sales to meet customer expectations.

Qualifications - Who We're Looking For:

• Experience in underwriting protection products.
• Experience in UK medical underwriting (essential).
• Thorough understanding of mortality, morbidity risk factors, and financial underwriting.
• Knowledge of protection products and relevant legislation/regulations.
• Excellent written and verbal communication skills.

Benefits:

• Participation in annual performance-related bonus and share schemes.
• Generous pension contribution, life assurance, private medical insurance (permanent employees).
• At least 25 days holiday plus public holidays, with options to buy/sell holiday.
• Family leave, electric car scheme, discounts, and modern office spaces.

Additional Information:

At L&G, we foster an inclusive culture with flexible working options. We value your strengths and potential and support your career development. Join us and be part of a purpose-driven organization committed to positive outcomes and building a better future.