Senior Life Medical Underwriter

Legal & General; Hove; Hybrid; GBP 35,000 - 55,000; Full time

Job summary

A leading company in insurance is recruiting a Life Medical Underwriter in Hove. You will be responsible for reviewing applications to assess risk factors and ensuring compliance. The role offers flexible working arrangements and includes substantial opportunities for career development and various benefits, including generous pension contributions.

Benefits

Participation in annual performance-related bonus and share schemes

Generous pension contributions

Life assurance and private medical insurance

25 days holiday plus public holidays

Competitive family leave policies

Participation in electric car scheme

Discounts on products and at high street stores

Qualifications

• Experience in UK medical underwriting is essential.
• Extensive knowledge of protection products required.
• Understanding of relevant legislation and regulations is preferable.

Responsibilities

• Assess and document life and disability risks.
• Lead projects to enhance the underwriting process.
• Ensure compliance with response times on complaints.

Skills

Excellent written and verbal communication skills

Understanding of mortality, morbidity, and financial underwriting risk factors

Experience in UK medical underwriting

Education

Experience in underwriting protection products

Understanding of relevant legislation and regulations

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 to suit your lifestyle.
• Career Development: We provide opportunities for growth and advancement in your field.

What You'll Be Doing:

• Assessing and documenting life and disability risks by reviewing applications and deciding on terms based on your autonomy level.
• Leading or participating in projects to enhance the underwriting process and improve systems and commercial viability.
• Ensuring requests for further information are appropriate and do not impact the customer journey unnecessarily.
• Identifying complaints, acting on them promptly, and highlighting root causes to ensure compliance with response times.
• Accurately recording all work daily to facilitate effective communication and decision-making.
• Maintaining a thorough 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).
• Understanding of mortality, morbidity, and financial underwriting risk factors.
• Extensive knowledge of protection products.
• Understanding of relevant legislation and regulations (preferable).
• Excellent written and verbal communication skills.

Benefits:

• Participation in our annual performance-related bonus and share schemes.
• Generous pension contributions.
• Life assurance and private medical insurance (for permanent employees).
• At least 25 days holiday plus public holidays, with options to buy or sell holiday days.
• Competitive family leave policies.
• Participation in our electric car scheme via salary sacrifice.
• Discounts on products and at high street stores.
• Modern office spaces designed for connection, collaboration, and wellbeing.

Additional Information:

At L&G, we foster an inclusive culture that values diversity and collaboration. We support flexible working arrangements and are open to discussing individual needs. Join us to be part of a purpose-driven organization committed to positive outcomes and your professional growth.