Senior Medical Underwriter

Zurich Insurance Company; London; Hybrid; GBP 40,000 - 60,000; Full time

Job summary

A leading global insurer seeks an experienced Medical Underwriter for a flexible role, focusing on life and income protection underwriting. The successful candidate will assess applications, support team training, and improve processes, contributing to a positive workplace culture. Excellent customer service and risk assessment skills are essential.

Benefits

12% non-contributory pension scheme

Annual bonus

Private medical insurance

Qualifications

• Experienced medical underwriter with protection or corporate environment experience.
• Knowledge of medical underwriting principles, techniques, regulations, and guidelines.
• Excellent verbal and written communication skills.

Responsibilities

• Make medical underwriting decisions for life and income protection.
• Train and support team members, including administrative staff and junior underwriters.
• Liaise with Medical Officers and maintain relationships with external distributors.

Skills

Risk assessment

Interpersonal skills

Attention to detail

Customer service

Education

CII Diploma in Underwriting

Job description

Social network you want to login/join with:

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.

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. To support our growth, 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. You will join a small, inclusive, and supportive Underwriting Team committed to your development. Opportunities include supporting underwriters' training, mentoring, coaching, and specialist roles such as 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 at interview.

What will you be doing?

• Make medical underwriting decisions for life and income protection within authority limits and in line with Zurich’s underwriting 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 using best practices to boost effectiveness and efficiency.
• Meet key business, team, and individual KPIs.
• 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 improvement opportunities.
• Ensure compliance and robust governance.
• Share best practices and deliver outstanding service to customers and stakeholders.
• Contribute to a positive team culture with a proactive attitude.
• Own workload and support colleagues to meet team targets.

Who are we looking for?

• 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.
• Excellent risk assessment, judgment, and decision-making skills.
• Strong attention to detail and focus on quality.
• Excellent interpersonal skills and team contribution.
• Ability to build and maintain stakeholder relationships.
• Passionate about 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 employee benefits, including a 12% non-contributory pension scheme, annual bonus, private medical insurance, and holiday options. Visit our benefits page for more details.

Who we are: Zurich aims to be a responsible and impactful global insurer. With over 55,000 employees in more than 170 countries, we are committed to sustainable impact, wellbeing, diversity, and development. Join us in creating a brighter future for our customers, our people, and our planet.

Our Culture: We value community, diversity, and inclusion, and are proud of our awards in these areas. We foster an environment that supports wellbeing and continuous learning, encouraging employees to volunteer and engage in charitable activities. Our Zurich Community Trust has donated over £90 million in the UK.

Join us: Make a difference, be challenged, inspired, and supported. Love what you do. Work for us. #LI-Remote