Senior Medical Underwriter

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

Job summary

A leading insurance company is seeking an experienced Medical Underwriter to assess applications for life and income protection schemes. Join a supportive team dedicated to your development, with flexible working arrangements and a strong focus on customer service. Benefit from a competitive salary and a comprehensive benefits package including a pension scheme and private medical insurance.

Benefits

12% defined non-contributory pension scheme

Annual bonus

Private medical insurance

Holiday buy/sell options

Qualifications

• Experience in medical underwriting, especially in protection or corporate environments.
• Strong interpersonal skills and relationship building.

Responsibilities

• Make medical underwriting decisions for life and income protection.
• Train and support junior underwriters.
• Improve process effectiveness and efficiency.

Skills

Attention to detail

Customer service

Judgment

Team contribution

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, and 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 since. 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 participating in specialist roles such as vulnerable customers and hosting case clinics. We offer 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 for life and income protection within authority limits, aligned with Zurich’s underwriting philosophy.
• Provide technical medical underwriting support and guidance to customers and distributors, 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 process effectiveness and efficiency using best practices.
• Achieve 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 underwriting standards.
• Identify process improvement opportunities.
• Ensure compliance and governance across the team.
• Share best practices and provide a standout service experience.
• Contribute to a positive team culture with a ‘can-do’ attitude.
• Own workload and support colleagues to deliver team objectives.

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 philosophy, techniques, regulations, and guidelines.
• Ability to assess risk effectively with good judgment and decision-making skills.
• Strong attention to detail and focus on quality.
• Excellent interpersonal skills and team contribution.
• Ability to build and maintain relationships with stakeholders.
• Passion for customer service and continuous improvement.
• Excellent verbal and written communication skills.
• Challenge processes and strategies to deliver results.
• CII Diploma in Underwriting or equivalent preferred but not essential.

What will you get in return?

We offer a wide range of benefits, including a 12% defined non-contributory pension scheme, annual bonus, private medical insurance, and options for holiday buy/sell. Our benefits are flexible to suit your needs. Learn more about our benefits on our website.

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 are committed to sustainability, wellbeing, diversity, and inclusion. We provide training, development, and volunteering opportunities, and support our communities through initiatives like the Zurich Community Trust.

Our Culture:

We value community, diversity, and inclusion, ensuring everyone feels welcome and respected. We prioritize wellbeing and offer extensive support and development opportunities. Join us to make a difference, be challenged, and enjoy your work. #LI-Remote