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For Companies At a Glance
- Tasks: Review customer applications to assess risk for life and disability coverage.
- Company: Join Legal & General, the UK's top individual life insurer, supporting millions in financial security.
- Benefits: Enjoy competitive salary, performance bonuses, generous holidays, and private medical insurance.
- Why this job: Be part of a team creating brighter financial futures while working in a supportive and inclusive culture.
- Qualifications: Experience in underwriting protection products and strong communication skills are essential.
- Other info: Flexible working options available; join a company recognised for its leadership and commitment to wellbeing.
The predicted salary is between 28800 - 43200 £ per year.
Legal & General supports the savings, protection and retirement needs of around 14 million people, through our portfolio of retail and workplace businesses.
Our Retail division helps people enjoy a more colourful retirement, both directly and through their employers, including Lifetime Mortgages, Retirement Interest Only Mortgages and financial advice on our range of lending products.
We are the UK’s number one individual life insurer, and also provide Group Protection products for employers – all helping people to plan for the unexpected. We support home buying through our Mortgage Club – the UK’s largest – and our award-winning Surveying Services team. And our fintech team finds and supports socially useful start-ups and scale-ups working in the workplace, home, insurance and wealth areas.
Joining us means helping create brighter financial futures for all our customers.
Job Description
We’re recruiting for a Junior Life Medical Underwriter to join us. We’re offering a competitive base salary. Reviewing customer applications to identify risk factors to assess whether we can offer Life, Critical Illness Cover and Income Protection applications.
We offer both home based or hybrid opportunities dependant on location, so will be happy to discuss at stage of application.
What you\’ll be doing:
- Accurately assessing and documenting life and disability risks by reviewing applications and deciding which terms, if any, can be offered up to the value based on your autonomy level
- Addressing customer requirements in an efficient and professional manner and ensuring that the agreed service levels are met or exceeded so that exceptional customer experience is delivered
- Ensuring any requests for further information are appropriate and accurate and commensurate with the risk being assessed, ensuring the customer journey is not impacted unnecessarily
- Identifying complaints and escalating to an authorised complaints handler so that they are acted upon quickly and root causes highlighted to ensure compliance with complaints response time limits
- Taking ownership of maintaining an excellent knowledge and understanding of legislative and regulatory requirements
- Communicating with internal, external customers and third parties in a professional and efficient manner via all methods of communication, ensuring customer satisfaction is maximised and expectations met by obtaining and giving the correct information
QualificationsWho we\’re looking for:
- Experience underwriting protection products
- Thorough understanding of the risk factors for mortality and morbidity, as well as financial Underwriting
- Extensive knowledge of all protection products
- Understanding of legislations and regulatory requirements would be preferable
- Excellent Written and verbal communication skills
Whatever your role, we reward performance and behaviour with a package that looks after all the things that are important to you. Here are some of the benefits we offer:
- The opportunity to participate in our annual, performance-related bonus plan and valuable share schemes
- Generous pension contribution
- Life assurance
- Private medical insurance (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
- There are the many discounts we offer – both for our own products and at a range of high street stores and online
- In 2023, some of our workspaces were redesigned. Our offices are great spaces to connect and collaborate and have your wellbeing at the heart
Additional Information
Legal & General is a leading financial services group and major global investor, named Britain’s Most Admired Company in 2023, for the second year running. Rated top in our sector and top for inspirational leadership, we have a strong heritage and an exciting future.
We aim to build a better society for the long term by investing our customers’ money in things that make life better for everyone.
If you join us, you’ll be part of a welcoming culture, with opportunities to collaborate with people of diverse backgrounds, views and experiences. Guided by leaders with integrity who care about your future and wellbeing. Empowered through initiatives which support people to develop their careers and excel.
We strive to be open, mindful and inclusive, so are always willing to discussing flexible working arrangements and reasonable accommodations for candidates with specific needs.
If you’re open to find out more, we\’d love to hear from you.
Seniority level
Not Applicable
Employment type
Full-time
Job function
Finance
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Junior Life Medical Underwriter employer: Legal & General
Contact Detail:
Legal & General Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Junior Life Medical Underwriter
✨Tip Number 1
Familiarise yourself with the specific risk factors associated with life and disability underwriting. Understanding these nuances will not only help you in interviews but also demonstrate your commitment to the role.
✨Tip Number 2
Network with professionals in the insurance and underwriting fields. Engaging with industry experts can provide insights into the role and may even lead to referrals, increasing your chances of landing the job.
✨Tip Number 3
Stay updated on current legislation and regulatory requirements related to life insurance. This knowledge is crucial for a Junior Life Medical Underwriter and will set you apart from other candidates.
✨Tip Number 4
Prepare for potential interview questions by practising how you would handle customer complaints and assess risk factors. Demonstrating your problem-solving skills and customer focus will be key in impressing the hiring team.
We think you need these skills to ace Junior Life Medical Underwriter
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities of a Junior Life Medical Underwriter. Familiarise yourself with the key tasks such as assessing risk factors and ensuring customer satisfaction.
Tailor Your CV: Customise your CV to highlight relevant experience in underwriting protection products and your understanding of mortality and morbidity risk factors. Use specific examples that demonstrate your skills and knowledge.
Craft a Compelling Cover Letter: Write a cover letter that showcases your passion for the role and the company. Mention how your background aligns with Legal & General's mission to support customers' financial futures and your commitment to delivering exceptional service.
Proofread Your Application: Ensure your application is free from spelling and grammatical errors. A polished application reflects your attention to detail, which is crucial for the role of an underwriter.
How to prepare for a job interview at Legal & General
✨Understand the Role
Make sure you have a solid grasp of what a Junior Life Medical Underwriter does. Familiarise yourself with the key responsibilities, such as assessing risk factors and understanding protection products. This will help you answer questions confidently and demonstrate your enthusiasm for the role.
✨Brush Up on Relevant Knowledge
Since the role requires knowledge of mortality and morbidity risk factors, review any relevant legislation and regulatory requirements. Being able to discuss these topics during your interview will show that you're prepared and knowledgeable about the industry.
✨Prepare for Customer Interaction Scenarios
As the position involves addressing customer requirements, think of examples from your past experiences where you've provided excellent customer service. Be ready to discuss how you handled difficult situations or complaints, as this will highlight your communication skills and professionalism.
✨Showcase Your Communication Skills
Excellent written and verbal communication skills are essential for this role. Practice articulating your thoughts clearly and concisely. You might even want to prepare a few questions to ask the interviewer, which can demonstrate your interest in the company and the position.
