Senior Medical Underwriter

Zurich Insurance Company; Swansea; Remote; GBP 40,000 - 70,000; Full time

Job summary

Zurich Insurance Company is seeking an experienced Medical Underwriter to join their dynamic team. This role offers flexibility in working arrangements and emphasizes exceptional customer service and continuous improvement. You will assess applications, make underwriting decisions, and contribute to a supportive team culture while ensuring compliance and governance standards.

Benefits

12% non-contributory pension scheme

Annual bonus

Private medical insurance

Qualifications

• Experienced medical underwriter in protection or corporate environment.
• Knowledge of medical underwriting techniques and regulations.
• Excellent verbal and written communication skills.

Responsibilities

• Make medical underwriting decisions for life and income protection.
• Train and support team members.
• Ensure compliance and maintain standards.

Skills

Attention to detail

Decision-making

Interpersonal skills

Customer service

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, 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 steadily. To support our growth, we are seeking a Medical Underwriter with a passion for medicine and delivering exceptional customer service. In this role, 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, offering opportunities such as 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 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 to customers and distributors, ensuring excellent customer service.
• Train and support team members, including administrative staff and junior underwriters.
• Stay updated on medical underwriting philosophy considering experience and market conditions.
• Improve processes using best practices to boost effectiveness and efficiency.
• Achieve key business, team, and individual KPIs.
• Collaborate with Company 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 across the team.
• 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 meet team goals.

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 stakeholder relationships.
• Passionate about customer service and continuous improvement.
• Excellent verbal and written communication skills.
• Willingness to challenge processes and contribute to 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 employee benefits, including a 12% defined non-contributory pension scheme, annual bonus, private medical insurance, and holiday options. Our benefits are designed to fit your needs and can be tailored throughout the year. For more details, follow the link about our benefits.

Who we are: Zurich aims to be a responsible, impactful business and the best global insurer. With over 55,000 employees across 170+ countries, we are committed to sustainability, wellbeing, diversity, and development. Join us and be part of creating a brighter future for our customers, employees, and the 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 supported, prioritizing wellbeing and continuous learning. We encourage volunteering and community engagement through our Zurich Community Trust, which has donated over £90 million to UK causes.

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