Senior Life Medical Underwriter in Cardiff

Are you ready to take the next step in your underwriting career? We’re recruiting a Life Medical Underwriter to join our dynamic and supportive team. In this role, you’ll assess customer applications to evaluate medical and financial risk, helping us make informed underwriting decisions across Life Insurance, Critical Illness Cover, and Income Protection. It’s a great opportunity for an experienced underwriter who enjoys autonomy, collaboration, and making a real impact on customer outcomes.

Why you'll love working with us:

• Flexible working options – choose from home‑based, office‑based, or hybrid working
• Work–life balance – full‑time, part‑time, and condensed hours available
• Career development – ongoing learning, development opportunities, and the chance to grow your underwriting expertise
• Supportive team culture – collaborative, knowledgeable, and customer‑focused

What you’ll be doing:

• Assessing and documenting life and disability risk by reviewing customer applications and determining appropriate underwriting terms, in line with your agreed level of autonomy
• Making underwriting decisions across Life, Critical Illness, and Income Protection, balancing risk, customer outcomes, and commercial considerations
• Participating in or leading process improvement and change initiatives to enhance underwriting quality, systems, efficiency, and commercial viability
• Requesting additional medical or financial information where appropriate, ensuring requests are proportionate and do not negatively impact the customer journey
• Identifying potential complaints and ensuring they are escalated and addressed promptly, with root causes captured to support continuous improvement and regulatory compliance
• Maintaining accurate, timely records of all underwriting activity to support reporting, communication, and effective business decision‑making
• Keeping up to date with legislative and regulatory requirements, ensuring all underwriting decisions remain compliant
• Communicating professionally and effectively with internal stakeholders, external customers, and third parties using a variety of channels
• Understanding service level commitments made during the sales process and ensuring underwriting activity supports customer expectations and delivery standards

Who we’re looking for:

• Proven experience underwriting UK protection products
• UK medical underwriting experience (essential)
• Strong understanding of mortality and morbidity risk factors, including financial underwriting
• Extensive knowledge of Life, Critical Illness, and Income Protection products
• Excellent written and verbal communication skills
• Knowledge of relevant UK legislation and regulatory requirements
• Experience contributing to or leading underwriting improvement initiatives

Benefits we offer:

• The opportunity to participate in our annual performance‑related bonus plan and valuable share schemes
• Generous pension contribution
• Life assurance
• Healthcare Plan (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 (permanent employees only)
• Many discounts we offer – both for our own products and at a range of high‑street stores and online
• We’re creating net‑zero carbon workplaces by 2030 by investing in our sustainable, modern offices across the UK, all designed to bring people together and elevate the in‑person experience