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For Companies At a Glance
- Tasks: Shape underwriting standards and support high-quality decision-making in a dynamic team.
- Company: Join a leading financial services business with a focus on innovation.
- Benefits: Enjoy a competitive salary, bonus, 30 days holiday, and hybrid work options.
- Why this job: Make a real impact by enhancing underwriting practices and guiding teams.
- Qualifications: Experience in medical underwriting and strong communication skills required.
- Other info: Great opportunities for professional growth and development in a supportive environment.
The predicted salary is between 39000 - 51000 £ per year.
Bradley David Associates is working with a leading financial services business on the search for an experienced
Medical Underwriter
to join their centralised
Underwriting Research, Development and Standards (RDS) team
. You will work within the Underwriting Standards department.
As part of this specialist group, you will contribute to shaping and maintaining underwriting philosophies, processes, and standards that support consistent, high-quality decision-making across our Insurance Division.
In this role, you\’ll balance case underwriting and audit responsibilities with developing and enhancing underwriting practices. You will also act as a trusted expert, providing case support and technical guidance to operational teams.
- Salary: £45,000 – £58,000 dependent on experience
- Bonus: 10-15%
- Holiday: 30 days + BH + buy and sell days per year
- Hybrid options available
- Tonnes of benefits and perks
Key Responsibilities
- Deliver fair, consistent underwriting decisions within your authority, assessing applications, medical evidence, and team referrals.
- Contribute to the design, review, and enhancement of underwriting philosophies, processes, and controls, ensuring compliance with company and industry standards.
- Lead and deliver allocated projects (small to medium scale), leveraging team expertise to drive outcomes.
- Provide training and coaching to underwriting and operational teams, identifying skill gaps and ensuring knowledge transfer.
- Support less experienced underwriters through guidance, second opinions, and case coaching, particularly on complex cases.
- Conduct quality reviews of underwriting decisions, ensuring alignment with standards and providing constructive feedback.
- Identify, escalate, and help manage risks in line with company policy.
- Maintain strong working relationships with internal stakeholders, reinsurers, medical advisors, and third-party providers.
- Stay current with industry developments to advise, guide, and support both underwriting teams and senior management.
About You
- Proven experience in a medical underwriting team, with experience across underwriting operations and/or development.
- Recognised underwriting authority across one or more product lines:
Enhanced Annuities, Life, Income Protection, or Critical Illness
. - Strong understanding of medical underwriting risk factors and industry standards (including the ABI Statement of Best Practice on genetics).
- Experience underwriting across multiple product lines and using underwriting manuals and tools effectively.
- Skilled in auditing, quality reviewing, and providing constructive feedback.
- Clear and confident communicator, able to simplify complex information and influence stakeholders at all levels.
- Comfortable delivering training, coaching, and presentations to both individuals and groups.
- Proactive learner, committed to staying updated on industry and market changes.
- Proficient in
Excel, Word, and PowerPoint
.
Qualifications
- Progress towards or completion of the
Diploma in Life and Disability Underwriting, CII
, or other recognised industry qualifications is desirable.
Medical Underwriter employer: Bradley David Associates
Contact Detail:
Bradley David Associates Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Medical Underwriter
✨Tip Number 1
Network like a pro! Reach out to your connections in the industry, attend relevant events, and don’t be shy about asking for introductions. We all know that sometimes it’s not just what you know, but who you know that can land you that dream job.
✨Tip Number 2
Prepare for interviews by researching the company and its culture. We recommend practising common interview questions and even role-playing with a friend. The more comfortable you are, the better you’ll perform when it counts!
✨Tip Number 3
Showcase your expertise! Bring examples of your past work or case studies to the interview. We want to see how you’ve tackled challenges in medical underwriting and how you can bring that experience to the table.
✨Tip Number 4
Don’t forget to follow up after your interview! A simple thank-you email can go a long way in keeping you top of mind. Plus, it shows your enthusiasm for the role. And remember, check out our website for more opportunities!
We think you need these skills to ace Medical Underwriter
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Medical Underwriter role. Highlight your experience in medical underwriting and any relevant qualifications. We want to see how your skills match what we're looking for!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're the perfect fit for our Underwriting Standards team. Share specific examples of your past experiences that relate to the job description.
Showcase Your Skills: Don’t forget to highlight your auditing and quality reviewing skills. We’re keen on seeing how you’ve provided constructive feedback in previous roles, so give us the details!
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It helps us keep track of your application and ensures you don’t miss out on any important updates from us!
How to prepare for a job interview at Bradley David Associates
✨Know Your Underwriting Stuff
Make sure you brush up on your medical underwriting knowledge before the interview. Understand the key risk factors and industry standards, especially those mentioned in the job description. Being able to discuss Enhanced Annuities, Life, Income Protection, and Critical Illness confidently will show that you're the right fit for the role.
✨Showcase Your Communication Skills
As a Medical Underwriter, you'll need to communicate complex information clearly. Prepare examples of how you've simplified difficult concepts for stakeholders or trained teams in the past. This will demonstrate your ability to influence and guide others effectively.
✨Prepare for Scenario Questions
Expect questions that assess your decision-making skills in real-life underwriting scenarios. Think about past experiences where you had to make tough calls or provide second opinions. Be ready to explain your thought process and how you ensured compliance with standards.
✨Highlight Your Teamwork and Leadership
You'll be working closely with various teams, so it's important to showcase your collaborative spirit. Prepare to discuss instances where you've led projects or provided coaching to less experienced underwriters. This will illustrate your ability to maintain strong working relationships and support team development.
