Life Medical 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.

Are you ready to take your career to the next level? We’re recruiting for a Life Medical Underwriter to join our dynamic team. You will be reviewing customer applications to identify risk factors and assess whether we can offer Life, Critical Illness Cover, and Income Protection applications. With a competitive base salary and flexible working options, this is an opportunity you don't want to miss!

Why You’ll love working with us:

• Flexible Work Arrangements: Choose between home-based or hybrid opportunities, depending on your location. We ask for just one day a week in the office.
• Work-Life Balance: We offer full-time, part-time, and condensed hours within the team to suit your lifestyle.
• Career Development: We will provide opportunities for you to grow and advance in your field.

What you’ll be doing:

• Assessing and documenting life and disability risks by reviewing applications and deciding on terms based on your autonomy level.
• Participating in or leading projects to enhance the underwriting process and improve systems and commercial viability, including initiating such projects using your expertise and business awareness.
• Ensuring requests for further information are appropriate and accurate, ensuring the customer journey is not impacted unnecessarily.
• Identifying complaints and ensuring they are acted upon promptly, highlighting root causes to ensure compliance with response time limits.
• Accurately recording all work daily to enable effective communication and business decisions.
• Maintaining an excellent knowledge of legislative and regulatory requirements.
• Communicating professionally with internal, external customers, and third parties to maximize customer satisfaction and meet expectations.
• Understanding service commitments made during marketing and sales to ensure these are met and customer expectations are fulfilled.

Who we’re looking for:

• Experience in underwriting protection products.
• Experience in UK medical underwriting (essential).
• Thorough understanding of mortality, morbidity, and financial underwriting risk factors.
• Extensive knowledge of all protection products.
• Understanding of legislation and regulatory requirements (preferable).
• Excellent written and verbal communication skills.

Benefits:

• Participation in annual performance-related bonus and share schemes.
• Generous pension contributions.
• Life assurance.
• Private medical insurance (permanent employees).
• At least 25 days holiday plus public holidays; 26 days after 2 years’ service, with holiday buy/sell options.
• Family leave options.
• Electric car salary sacrifice scheme.
• Discounts on products and high street stores.
• Modern, wellbeing-focused workspace environments.

At L&G, we believe in generating positive returns today while building a better future for all. Joining us means being part of an inclusive culture that values diversity, integrity, and your development. We support flexible working options, including part-time and job shares, where feasible. Don’t worry if you don’t meet every criterion; consider your strengths and potential contributions to our purpose.