Senior Life Medical Underwriter – 29288

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

Our client is currently looking for aLife Medical Underwriterto join their dynamic team. Successful candidate will be reviewing customer applications to identify risk factors to assess whether they can offer Life, Critical Illness Cover and Income Protection applications.

• Location: Remote
• Type: Permanent

Key Responsibilities (including but not limited to):

• Accurately assessing and documenting life and disability risks by reviewing applications and decide which terms, if any, can be offered up to the value based on your autonomy level
• Ability to participate in or lead projects, which enhance the underwriting process and improve their systems and commercial viability
• Ensuring any requests for further information are appropriate and accurate and commensurate with the risk being assessed, ensuring the customer journey is not impacted unnecessarily
• Identifying complaints and ensuring they are acted upon quickly and root causes highlighted to ensure compliance with complaints response time limits
• Ensuring all work is accurately recorded daily to enable accurate communications to be delivered and effective business decisions made
• Taking ownership of maintaining an excellent knowledge and understanding of legislative and regulatory requirements
• Must have experience in underwriting protection products
• Must have experience in UK medical underwriting (essential)
• Must have thorough understanding of the risk factors for mortality and morbidity, as well as financial underwriting
• Extensive knowledge of all protection products
• Understanding of legislations and regulatory requirements would be preferable
• Excellent Written and verbal communication skills