Senior Medical Underwriter

Zurich Insurance Company; Northampton; Remote; GBP 40,000 - 60,000; Full time

Job summary

Zurich Insurance Company seeks an experienced Medical Underwriter to join a supportive team focused on delivering exceptional service. This role involves assessing life and income protection applications, ensuring compliance, and contributing to a positive team culture while enjoying flexible working hours.

Benefits

12% non-contributory pension

Annual bonus

Private medical insurance

Flexible benefits package

Qualifications

• Experienced medical underwriter with exposure to corporate environments.
• Knowledge of underwriting principles and regulations is crucial.
• Strong decision-making ability and quality focus expected.

Responsibilities

• Make medical underwriting decisions for income protection.
• Provide technical support and nurture team relationships.
• Identify and enact process improvements for greater efficiency.

Skills

Risk assessment

Judgment

Attention to detail

Interpersonal skills

Customer service

Communication skills

Process improvement

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 strengthen since. To support our growth, 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 your development. We offer opportunities such as training, mentoring, coaching, and specialist roles including 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 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.
• Support and train team members, including administrative staff and junior underwriters.
• Stay updated with medical underwriting philosophy considering experience and market conditions.
• Optimize processes for 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 within the team.
• Deliver outstanding service to customers and stakeholders.
• Contribute to a positive 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, judgment, and decision-making skills.
• Excellent attention to detail and focus on quality.
• Good interpersonal skills and team contribution.
• Ability to build and maintain stakeholder relationships.
• Passionate about customer service and continuous improvement.
• Excellent communication skills.
• Ability to challenge processes and support strategic decisions.
• 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, annual bonus, private medical insurance, and holiday options. Our benefits are designed to fit your needs, allowing you to tailor your package throughout the year. For more details, follow the link to our benefits page.

Who we are:

Zurich aims to be a responsible, impactful global insurer. With over 55,000 employees across 170+ countries, we are committed to sustainable impact, wellbeing, diversity, and continuous skill 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 have received awards for our efforts. We foster an environment where everyone feels welcome and respected. We prioritize wellbeing and offer extensive training, volunteering, and charitable activities, including our Zurich Community Trust, which has donated over £90 million in the UK.

Make a difference. Be challenged. Be inspired. Be supported. Love what you do. Work for us. #LI-Remote