Senior Life Medical Underwriter

Life can sometimes be unpredictable, and it pays to plan ahead. Our aim at Legal & General Retail is to help our customers plan for the unexpected, achieve financial security for their tomorrow, and protect everything that’s important to them. To better understand our customers and meet their needs, we’ve brought our protection, retirement income, savings, lending, and advice, fintech and mortgage businesses under one umbrella. Created at the start of 2022 through the merging of our long-standing and trusted retail retirement and insurance businesses, we’re a fast-growing division with big, customer-centred ambitions.  

We’re recruiting for a  Senior Life Medical Underwriter to join us. We’re offering a base salary up to £50,000.

You will review customer applications to identify risk factors to assess whether we can offer Life, Critical Illness Cover and Income Protection applications. They can agree to offer the customer a policy, decide on what terms to offer or ask for more information from either the customer or their doctor. 

We offer both home based or hybrid opportunities dependant on location, so will be happy to discuss at stage of application.

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 
• Ability to participate in or lead projects, which enhance the underwriting process and improve our systems and commercial viability, including instigating such projects, using own initiative, expertise and business awareness
• Ensuring any requests for further information are appropriate and accurate and commensurate with the risk being assessed, ensuring the customer journey is not impacted unnecessarily
• Identifying complaints and ensuring 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 via all methods of communication 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 to ensure 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 underwriting protection products
• Thorough understanding of the risk factors for mortality and morbidity, as well as financial Underwriting
• Extensive knowledge of all protection products
• Understanding of legislations and regulatory requirements would be preferable
• Excellent Written and verbal communication skills

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.