At a Glance
- Tasks: Assess and authorise Income Protection claims with care and empathy.
- Company: Join an award-winning protection and health insurer that values its people.
- Benefits: Competitive salary, flexible home-based work, and opportunities for professional growth.
- Other info: Dynamic role with a supportive team and room for personal development.
- Why this job: Make a real difference in people's lives while ensuring fairness and compliance.
- Qualifications: Experience in claims processes and excellent customer service skills required.
An award-winning protection and health insurer is looking for an IP Claims Assessor to join its Income Protection Claims team. You will manage claims across the full range of protection products, balancing sound commercial decisions with fairness so that every customer is treated well at the moment that matters most. You will play a key part in maintaining regulatory compliance, upholding FCA Consumer Duty principles and delivering the outstanding service this insurer is known for. This is a fantastic opportunity to join a well-respected, growing business that genuinely invests in its people, with the flexibility to work from home.
RESPONSIBILITIES
- Assess and authorise Income Protection claims accurately and promptly, in line with policy terms and conditions, claims procedures and the claims philosophy.
- Review ongoing claims, making appropriate referrals and recommendations for management plans.
- Liaise effectively with medical professionals, intermediaries, and internal and external customers.
- Support and guide customers through the claims journey, handling both successful claims and the small minority that must be declined with care and empathy.
- Source and arrange independent assessments, treatments and home visits in line with claims management policy.
- Maintain regular contact with policyholders to build relationships and support a smooth return to work.
- Ensure compliance with regulation surrounding fraud, anti-money laundering and financial crime, reporting any suspicion or potential risk immediately.
DAY-TO-DAY
- Managing your own caseload of new and ongoing Income Protection claims.
- Speaking with policyholders, medical professionals, advisers and employers by phone and in writing.
- Writing confidential correspondence to medical professionals, financial advisers, policyholders, reassurers, employers and suppliers.
- Keeping accurate records and escalating urgent issues to your manager.
- Keeping up to date with industry developments and contributing to the ongoing improvement of the claims philosophy, service, systems and procedures.
EXPERIENCE
- Experience of claims business processes, including policy cover, financial/medical underwriting criteria and conflict handling.
- Insurance industry knowledge, ideally within protection or income protection.
- An understanding of the financial adviser market and how it interacts with protection products.
- Must have the right to work in the UK.
SKILLS
- Excellent customer service skills with the ability to handle difficult conversations with empathy.
- Effective communication skills, both oral and written.
- Excellent organisation and prioritisation skills, with the ability to plan and manage your own workload.
- Good solution-finding, analytical and decision-making skills.
- A good team player who builds open, constructive relationships.
- Excellent IT skills, including Microsoft Office.
- A desire to grow and develop, including a willingness to study for and take relevant industry examinations.
Income Protection Claims Assessor employer: Lawes Group Recruitment
Join an award-winning protection and health insurer that prioritises employee well-being and professional growth. With the flexibility of a home-based role, you will be part of a supportive work culture that values fairness and outstanding customer service, while also offering competitive salaries and benefits. This is a unique opportunity to contribute to a respected company that genuinely invests in its people and upholds high standards of regulatory compliance.
StudySmarter Expert Advice🤫
We think this is how you could land Income Protection Claims Assessor
✨Dive Into Industry Networking Events
Get your foot in the door by attending insurance industry events and conferences. Not only will you learn about the latest trends, but you'll also meet potential employers and industry peers. Check out local chapters of professional bodies like the Chartered Insurance Institute for valuable meetups.
✨Use LinkedIn to Your Advantage
Don’t underestimate the power of LinkedIn in the insurance world. Engage with industry content, join relevant groups, and connect with professionals at companies you admire (like Lawes Group Recruitment). A thoughtful message explaining your interest can really make a difference!
✨Look Out for Graduate Schemes
Many firms in insurance have structured graduate programmes. Keep an eye on application windows and utilise your university's career services for insider tips. These schemes are designed to develop talent and often lead to permanent roles after your initial training.
✨Leverage Your Current Connections
Got friends or family in the industry? Now’s the time to reach out! Personal referrals can give you a head start, so let them know you're on the lookout for full-time opportunities at places like Lawes Group Recruitment. Don’t shy away from asking for a coffee chat; you never know what doors it might open!
We think you need these skills to ace Income Protection Claims Assessor
Some tips for your application 🫡
Highlight Your Analytical Skills:In insurance, we love a candidate who can crunch numbers and analyse data effectively. When crafting your CV, make sure to showcase any relevant coursework or experiences that highlight your analytical abilities, especially if you’ve tackled risk assessment or financial modelling.
Showcase Industry Knowledge:Don’t be shy about your knowledge of the insurance sector! We want to see that you've done your homework on current trends, regulations, and challenges in the industry. Mention any relevant projects or studies you’ve completed that demonstrate your understanding of the field in your cover letter.
Craft a Compelling Cover Letter:Your cover letter should tell us why you’re passionate about insurance. Share any personal experiences or what drew you into this profession. We’re looking for enthusiasm and a clear motivation for why you want to be part of our team at Lawes Group Recruitment.
Tailor Your CV for the Role:Don't just send a generic CV! Focus on tailoring it specifically for the insurance role at Lawes Group Recruitment. Highlight relevant skills such as risk management, customer service experience, or any certifications you've earned in the industry to make your application stand out.
How to prepare for a job interview at Lawes Group Recruitment
✨Know Your Numbers: Insurance Fundamentals
Brush up on your understanding of key insurance concepts, like underwriting principles and risk assessment. Expect the interviewer at Lawes Group Recruitment to throw some technical questions your way, so be ready to demonstrate your grasp of these essentials.
✨Showcase Your Analytical Side
In the insurance world, it's all about data. Prepare to discuss any analytical tools or methodologies you've used in past experiences. If you have a portfolio of projects where you've tackled complex data, bring that along to impress the team!
✨Prepare for Behavioural Questions
As a full-timer at Lawes Group Recruitment, they'll want to know how you handle real-life scenarios, not just theory. Think about challenges you've faced in teamwork or customer service, and how those experiences can relate to a career in insurance.
✨Know the Company Culture Inside Out
Understanding Lawes Group Recruitment's values and workplace culture is essential. Don’t just memorise their mission statement; think about how your personal values align with theirs. This will show your genuine interest in being part of their team long-term.
