Senior Medical Underwriter

Zurich Insurance; Cardiff; Hybrid; GBP 45,000 - 65,000; Full time

Job summary

Zurich Insurance is seeking a Senior Medical Underwriter to join their growing team. The role involves making underwriting decisions, providing support to colleagues, and ensuring compliance with medical underwriting standards. With flexible working options and a focus on employee development, this position offers a chance to contribute to a positive team culture while delivering exceptional customer service.

Benefits

12% pension scheme

Annual bonus

Private medical insurance

Qualifications

• Experienced medical underwriter with protection or corporate experience.
• Knowledge of medical underwriting philosophy and regulations.
• Excellent verbal and written communication skills.

Responsibilities

• Make medical underwriting decisions for life and income protection.
• Provide technical support and guidance to team members.
• Improve processes for effectiveness and efficiency.

Skills

Risk assessment

Decision-making

Attention to detail

Interpersonal skills

Customer service

Education

CII Diploma in Underwriting

Job description

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Working hours:

This role is available part-time, job-share or full-time basis, with our full-time hours being 35 hours per week.

Location:

We’re flexible, and home working contracts are available.

Closing Date:

Friday 6th June

The opportunity:

Are you an experienced Medical Underwriter looking for a new challenge? Zurich Corporate Risk, one of the fastest-growing group risk providers in the market, started over 10 years ago and has continued to grow. We are seeking a Medical Underwriter with a passion for medicine and delivering exceptional customer service.

As an experienced Medical Underwriter, you will assess life and income protection applications and make underwriting decisions for members of new and existing Corporate schemes.

You will join a small, inclusive, and supportive Underwriting Team committed to nurturing each other's development. We offer opportunities for training, mentoring, coaching, and specialist roles, including working with vulnerable customers and hosting case clinics.

Many employees work flexibly, including part-time, flexible hours, job share, remote work, or compressed hours. Please discuss your flexibility needs during the interview.

What will you be doing?

• Make medical underwriting decisions for life and income protection within authority limits, aligned with Zurich's philosophy.
• Provide technical medical underwriting support and guidance, ensuring excellent customer service.
• Train and support team members, including administrative staff and junior underwriters.
• Stay updated with medical underwriting philosophy considering experience and market conditions.
• Improve processes to boost effectiveness and efficiency.
• Deliver against key KPIs for the business, team, and individual.
• Liaise with Medical Officers and reassurance companies.
• Maintain external distributor relationships.
• Handle queries and referrals within authority limits, assessing risk and maintaining standards.
• Identify process improvements.
• Ensure compliance and robust governance.
• Share best practices and provide excellent service to customers and stakeholders.
• Contribute to a positive team culture with a proactive attitude.
• Own workload and support colleagues to meet team objectives.

Who are we looking for?

• An experienced medical underwriter with protection or corporate experience.
• Some awareness of the UK corporate risk market.
• Knowledge of medical underwriting philosophy, techniques, regulations, and guidelines.
• Strong risk assessment and decision-making skills.
• Attention to detail and focus on quality.
• Excellent interpersonal skills and team contribution.
• Ability to build and maintain stakeholder relationships.
• Passion for customer service and continuous improvement.
• Excellent verbal and written communication skills.
• CII Diploma in Underwriting or equivalent preferred, but not essential.

What will you get in return?

We offer a wide range of flexible benefits including a 12% pension scheme, annual bonus, private medical insurance, and holiday options. For more details, see Employee benefits | Working at Zurich Insurance UK.

Who we are:

Zurich aims to be a responsible, impactful global insurer. With over 55,000 employees across 170+ countries, we foster a supportive environment focused on sustainability, wellbeing, diversity, and development. We encourage employee involvement in volunteering and community activities through Zurich Community Trust.

Our Culture:

We value diversity and inclusion, creating a welcoming environment for all backgrounds. We prioritize wellbeing and continuous learning, supporting our employees' growth and community engagement.

Additional details:

• Seniority level: Mid-Senior level
• Employment type: Full-time
• Job function: General Business
• Industries: Insurance and Financial Services

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