Overview
In this role you will assess life and disability applications to determine appropriate underwriting terms, supporting informed risk decisions across Life Insurance, Critical Illness Cover, and Income Protection. You will work within a collaborative team, balancing risk with customer outcomes and commercial needs. The role offers flexible working and strong development opportunities in underwriting. You’ll contribute to process improvements, regulatory compliance, and delivering consistent, high-quality underwriting decisions that shape client outcomes.
Pay / Benefits
- annual performance bonus plan
- valuable share schemes
- generous pension contribution
- Healthcare Plan (permanent employees only)
- at least 25 days holiday
- electric car scheme
Responsibilities
- Assess life and disability risk by reviewing applications and determining underwriting terms with your level of autonomy
- Make underwriting decisions across Life, Critical Illness, and Income Protection to balance risk, outcomes, and commercial considerations
- Lead or participate in process improvement initiatives to enhance underwriting quality, systems, efficiency, and viability
- Request additional medical or financial information as needed while keeping the customer journey proportionate
- Identify potential complaints and ensure they are escalated with root-cause analysis for continuous improvement and compliance
- Maintain accurate, timely underwriting records to support reporting and decision-making
- Stay up-to-date with legislative and regulatory requirements to keep underwriting compliant
- Communicate professionally with internal and external stakeholders across multiple channels
- Ensure underwriting activity supports sales service levels and customer delivery standards
Key requirements
- 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
- collaborative mindset
- customer-focused
- clear written and verbal communication
- UK protection product underwriting
- medical underwriting
- mortality and morbidity risk assessment
Senior Life Medical Underwriter in Cardiff employer: Legal and General
Legal & General (L&G) is an exceptional employer that prioritises employee growth and well-being, offering a collaborative work culture where innovation thrives. As a Senior Azure Platform Engineer, you'll have the opportunity to work with cutting-edge technologies in a supportive environment that values flexibility and personal development, ensuring you can achieve both professional and personal goals while contributing to meaningful financial solutions for millions of customers.
