Initial Risk Underwriter

Legal & General supports the savings, protection and retirement needs of around 14 million people, through our portfolio of retail and workplace businesses.

Our Retail division helps people enjoy a more colourful retirement, both directly and through their employers, including Lifetime Mortgages, Retirement Interest Only Mortgages and financial advice on our range of lending products.

We are the UK’s number one individual life insurer, and also provide Group Protection products for employers – all helping people to plan for the unexpected. We support home buying through our Mortgage Club – the UK’s largest – and our award-winning Surveying Services team. And our fintech team finds and supports socially useful start-ups and scale-ups working in the workplace, home, insurance and wealth areas.

Joining us means helping create brighter financial futures for all our customers. 

We’re recruiting for an Initial Risk Underwriter to join us. We’re offering a competitive base salary. You will review customer applications to identify risk factors to assess whether we can offer Life, Critical Illness Cover and Income Protection applications. 

What you'll be doing:

• Accurately assessing and documenting life and disability risks by reviewing applications and decide which terms, if any, can be offered up to the value based on your autonomy level
• Addressing customer requirements in an efficient and professional manner and ensuring that the agreed service levels are met or exceeded so that exceptional customer experience is delivered
• Identifying complaints and escalating to an authorised complaints handler so that they are acted upon quickly and root causes highlighted to ensure compliance with complaints response time limits
• Ensuring all work is accurately recorded daily to enable accurate communications to be delivered and effective business decisions made
• Taking ownership of maintaining an excellent knowledge and understanding of legislative and regulatory requirements
• Communicating with internal, external customers and third parties in a professional and efficient manner ensuring customer satisfaction is maximised and expectations met by obtaining and giving the correct information
• Understanding the commitments that are made about the level of service during the marketing and sales processes ensuring the area is capable of meeting those expectations and that customers’ reasonable expectation of performance and service are met

Who we're looking for:

• Experience working within a financial services organisation
• An understanding of the risk factors for mortality and morbidity (desirable)
• Basic knowledge of all protection products (desirable)
• Understanding of legislations and regulatory requirements would be preferable
• Effective written and verbal communication through all media e.g. telephony, letter writing, participation in meetings, forums and presentations

Whatever your role, we reward performance and behaviour with a package that looks after all the things that are important to you. Here are some of the benefits we offer: 

• The opportunity to participate in our annual, performance-related bonus plan and valuable share schemes  
• Generous pension contribution  
• Life assurance   
• Private medical insurance (permanent employees only) 
• At least 25 days holiday, plus public holidays, 26 days after 2 years’ service. There’s also the option to buy and sell holiday 
• Competitive family leave 
• Participate in our electric car scheme, which offers employees the option to hire a brand-new electric car through tax efficient salary sacrifice 
• There are the many discounts we offer – both for our own products and at a range of high street stores and online   
• In 2023, some of our workspaces were redesigned. Our offices are great spaces to connect and collaborate and have your wellbeing at the heart

Legal & General is a leading financial services group and major global investor, named Britain’s Most Admired Company in 2023, for the second year running. Rated top in our sector and top for inspirational leadership, we have a strong heritage and an exciting future.

We aim to build a better society for the long term by investing our customers’ money in things that make life better for everyone.

If you join us, you’ll be part of a welcoming culture, with opportunities to collaborate with people of diverse backgrounds, views and experiences. Guided by leaders with integrity who care about your future and wellbeing. Empowered through initiatives which support people to develop their careers and excel.

We strive to be open, mindful and inclusive, so are always willing to discussing flexible working arrangements and reasonable accommodations for candidates with specific needs.

If you’re open to find out more, we'd love to hear from you.