Senior Medical Underwriter

Zurich Insurance Company; Hereford; Remote; GBP 35,000 - 55,000; Full time

Job summary

Zurich Insurance Company is seeking a Medical Underwriter with a passion for medicine and exceptional customer service. This role involves assessing applications and making underwriting decisions for corporate schemes. You will be part of a supportive team offering training and flexible working arrangements. Join a company focused on sustainability and employee growth.

Benefits

12% non-contributory pension scheme

Annual bonus

Private medical insurance

Qualifications

• Experienced medical underwriter with protection or corporate environment experience.
• Strong understanding of medical underwriting principles and UK corporate risk market.
• Excellent communication skills and attention to detail.

Responsibilities

• Assess life and income protection applications and make underwriting decisions.
• Provide technical support and guidance to customers and distributors.
• Support and train team members, enhancing process efficiency.

Skills

Risk assessment

Decision-making

Interpersonal skills

Attention to detail

Customer service

Stakeholder relationship building

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. Our full-time hours are 35 hours per week.

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

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 strongly. We are seeking a Medical Underwriter with a passion for medicine and delivering exceptional customer service. You will assess life and income protection applications and make underwriting decisions for members of new and existing Corporate schemes. Join a small, inclusive, and supportive Underwriting Team committed to your development. We offer opportunities for training, mentoring, coaching, and specialist roles, including vulnerable customers and case clinics. We support flexible working arrangements, 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 within authority limits, aligned with Zurich’s underwriting philosophy.
• Provide technical support and guidance to customers and distributors, ensuring excellent service.
• Support and train team members, including administrative staff and junior underwriters.
• Stay updated with medical underwriting practices considering experience and market conditions.
• Enhance process efficiency using best practices.
• Meet key business, team, and individual KPIs.
• Coordinate with Medical Officers and reassurance companies.
• Maintain external distributor relationships.
• Handle queries and referrals within authority limits, assessing risk and maintaining standards.
• Identify process improvement opportunities.
• Ensure compliance and governance across the team.
• Share best practices and deliver outstanding service to customers and stakeholders.
• Contribute positively to team culture with a proactive attitude.
• Own workload and support colleagues to ensure timely, quality outputs.

Who are we looking for?

• An experienced medical underwriter with protection or corporate environment experience.
• Some awareness of the UK corporate risk market.
• Knowledge of medical underwriting principles, techniques, regulations, and guidelines.
• Strong risk assessment and decision-making skills.
• Excellent attention to detail and quality focus.
• Excellent interpersonal skills and team contribution.
• Ability to build and maintain stakeholder relationships.
• Passionate about customer service and continuous improvement.
• Excellent 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% non-contributory pension scheme, annual bonus, private medical insurance, and holiday options. For more details, visit our benefits page.

Who we are: Zurich aims to be a responsible, impactful business and the best global insurer. With over 55,000 employees in more than 170 countries, we foster a supportive environment focused on sustainability, wellbeing, diversity, and continuous development. Join us to be part of a company that values your contributions and supports your growth.

Our Culture: We celebrate diversity and inclusion, ensuring a welcoming environment for all. We prioritize wellbeing and offer extensive training, volunteering, and charitable opportunities, including our Zurich Community Trust, which has donated over £90 million in the UK.

Make a difference, be challenged, and find inspiration with Zurich. Love what you do. Work for us. #LI-Remote