Senior Life Underwriter - Lead Risk & Customer Focus

LV=; Bournemouth; On-site; GBP 65,000 - 90,000; Full time

Benefits offered by this job

26 days' holiday – increasing after 2 

Annual bonus scheme

Private medical insurance

Pension scheme with employer matching

Life Assurance

Employee Assistance Programme (EAP)

Cycle to work

Discount on LV= life products

Job summary

LV= is seeking an experienced Senior Life Underwriter to efficiently underwrite new business applications for life, critical illness and income protection on appropriate terms. You’ll use evidence-based decision making, maintain high standards of accuracy, and contribute to continuous improvement within a supportive team.

The role emphasizes fair, balanced decisions with clear justification, strong communication, and a proactive approach to CPD, collaboration, and project work.

Qualifications

• Be an experienced underwriting professional, with a strong understanding of life and income protection products.
• Possess proof-reading skills, with a keen eye for detail.
• Be a knowledgeable and efficient decision-maker, with a passion for delivering excellent customer experiences.
• Showcase strong administration and organisational skills, with the ability to prioritise workload effectively.
• Maintain an awareness of the wider market and competitors’ products.
• Be adept at using Microsoft Office programmes such as Word, Excel, PowerPoint and Outlook.
• Consistently demonstrate excellent communication skills, with the ability to deliver information in a clear, concise manner, and with patience and empathy.
• Comfortably manage workload independently, while supporting colleagues and the wider team with achieving mutual goals.
• Be an experienced Medical underwriter.

Responsibilities

• Assessing new business applications and making underwriting decisions within risk appetite and the underwriting philosophy.
• Providing fair, balanced decisions using appropriate evidence, in an efficient, customer-focused manner.
• Providing clear and robust justification of decisions where required, and referring cases to third parties, including CMO and re-assurers accurately.
• Building positive working relationships with colleagues, customers and intermediaries.
• Contributing ideas for continuous improvement of operational processes, aiding the resourcing of the department, and enabling KPI’s to be met.
• Obtaining ongoing CPD by self-education, attending training seminars, industry events and providing feedback to colleagues and business areas as required.
• Providing coaching, support and feedback to other members of the team where required, including quality checking, in a positive manner.
• Supporting on projects and testing where needed, to assist with business change plans.
• Partaking in underwriting rules development/claims industry best practice, including analysis of MI where required.
• Working on projects, including product initiatives and service improvements, to drive the business forward.

Job description

LV= is seeking an experienced Senior Life Underwriter to efficiently underwrite new business applications for life, critical illness and income protection on appropriate terms. You’ll use evidence-based decision making, maintain high standards of accuracy, and contribute to continuous improvement within a supportive team.

The role emphasizes fair, balanced decisions with clear justification, strong communication, and a proactive approach to CPD, collaboration, and project work.