At a Glance
- Tasks: Assess life and disability applications to determine underwriting terms and support risk decisions.
- Company: Join a leading insurance firm with a focus on collaboration and innovation.
- Benefits: Enjoy flexible working, annual bonuses, share schemes, and generous holiday.
- Other info: Be part of a dynamic team with opportunities for career growth and process improvement.
- Why this job: Make a real impact on client outcomes while developing your underwriting skills.
- Qualifications: Experience in UK protection products and strong communication skills required.
The predicted salary is between 54450 - 66550 £ per year.
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.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Life Medical Underwriter in Cardiff
✨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 Legal and General). 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 Legal and General. 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 Senior Life Medical Underwriter in Cardiff
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 Legal and General.
Tailor Your CV for the Role:Don't just send a generic CV! Focus on tailoring it specifically for the insurance role at Legal and General. 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 Legal and General
✨Know Your Numbers: Insurance Fundamentals
Brush up on your understanding of key insurance concepts, like underwriting principles and risk assessment. Expect the interviewer at Legal and General 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 Legal and General, 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 Legal and General'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.
