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For Companies At a Glance
- Tasks: Review customer applications and assess life and disability risks.
- Company: Join the UK's number one individual life insurer, Legal & General.
- Benefits: Flexible working options, competitive salary, and generous holiday allowance.
- Why this job: Make a real impact in people's lives while advancing your career.
- Qualifications: Experience in medical underwriting and strong communication skills required.
- Other info: Diverse and inclusive workplace with excellent career development opportunities.
The predicted salary is between 36000 - 60000 ÂŁ per year.
Legal & General is the UK’s number one individual life insurer, supporting 14 million people with savings, protection and retirement products through our retail and workplace businesses. Our Retail division offers Lifetime Mortgages, Retirement Interest Only Mortgages, financial advice on lending products, Group Protection for employers, a Mortgage Club and an award‑winning Surveying Services team. We also support socially useful start‑ups through our fintech team.
We are recruiting a Life Medical Underwriter to review customer applications, identify risk factors, and decide whether we can offer Life, Critical Illness Cover and Income Protection. This is an opportunity to work with competitive base salary and flexible working options.
Why You’ll Love Working With Us
- Flexible Work Arrangements: Work from Home, Office, or Hybrid – the choice is yours.
- Work‑Life Balance: We offer full‑time, part‑time, and condensed hours.
- Career Development: Opportunities to grow and advance in your field.
What You’ll Be Doing
- Accurately assess and document life and disability risks by reviewing applications and deciding which terms can be offered.
- Participate in or lead projects that enhance the underwriting process and improve systems and commercial viability.
- Ensure requests for further information are appropriate, accurate and timely.
- Identify complaints and ensure they are acted upon quickly, highlighting root causes.
- Record all work accurately daily to enable effective business decisions.
- Maintain excellent knowledge of legislative and regulatory requirements.
- Communicate professionally with internal and external customers and partners.
- Manage commitments regarding service levels during marketing and sales processes.
Qualifications
- Experience in underwriting protection products.
- Experience in UK medical underwriting (essential).
- Thorough understanding of mortality and morbidity risk factors and financial underwriting.
- Extensive knowledge of all protection products.
- Preferable understanding of legislation and regulatory requirements.
- Excellent written and verbal communication skills.
Benefits
- Annual, performance‑related bonus plan and share schemes.
- Generous pension contribution.
- Life assurance.
- Private medical insurance for permanent employees.
- At least 25 days holiday (plus public holidays), 26 days after 2 years of service.
- Competitive family leave.
- Electric car scheme with tax‑efficient salary sacrifice.
- Discounts on products and a range of high‑street stores.
- Well‑designed office spaces with a focus on wellbeing.
At L&G, we strive to generate positive returns while building a better future for all. We welcome collaboration with people of diverse backgrounds and empower careers. We consider flexible working options open to part‑time, term‑time, and job shares. If you do not meet every single criterion, consider the strengths you bring to our purpose.
Senior Life Medical Underwriter in Edinburgh employer: Legal & General
Contact Detail:
Legal & General Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Life Medical Underwriter in Edinburgh
✨Tip Number 1
Network like a pro! Reach out to your connections in the insurance and underwriting sectors. Attend industry events or webinars, and don’t be shy about asking for informational interviews. You never know who might have the inside scoop on job openings!
✨Tip Number 2
Prepare for those interviews! Research Legal & General thoroughly—know their products, values, and recent news. Practice common interview questions related to underwriting and be ready to discuss your experience with risk assessment and customer communication.
✨Tip Number 3
Showcase your skills! Create a portfolio or a presentation that highlights your achievements in underwriting. Use real examples of how you’ve assessed risks and improved processes. This will set you apart from other candidates and demonstrate your expertise.
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets noticed. Tailor your CV and cover letter to highlight your relevant experience in medical underwriting and your understanding of legislation. Let’s get you that interview!
We think you need these skills to ace Senior Life Medical Underwriter in Edinburgh
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Senior Life Medical Underwriter role. Highlight your experience in underwriting protection products 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 passionate about this role and how your background makes you a great fit. Don’t forget to mention your understanding of mortality and morbidity risk factors.
Showcase Your Communication Skills: Since excellent written communication is key, make sure your application is clear and professional. We love candidates who can articulate their thoughts well, so don’t hold back on showcasing your verbal and written skills!
Apply Through Our Website: We encourage you to apply through our website for the best chance of success. It’s straightforward and ensures your application goes directly to us. Plus, you’ll get to explore more about our company culture while you’re at it!
How to prepare for a job interview at Legal & General
✨Know Your Underwriting Inside Out
Make sure you brush up on your knowledge of life and disability risks, as well as the specific protection products offered by Legal & General. Being able to discuss these confidently will show that you're not just familiar with the basics but also understand the nuances of the role.
✨Prepare for Scenario Questions
Expect to be asked how you would handle specific underwriting scenarios or customer complaints. Think through some examples from your past experience where you successfully identified risk factors or improved processes, and be ready to share those stories.
✨Familiarise Yourself with Regulations
Since the role requires a solid understanding of legislative and regulatory requirements, take some time to review the latest regulations affecting medical underwriting in the UK. This will help you demonstrate your commitment to compliance and your proactive approach to staying informed.
✨Practice Your Communication Skills
As you'll need to communicate effectively with both internal teams and external customers, practice articulating your thoughts clearly and professionally. Consider doing mock interviews with a friend or using online resources to refine your verbal and written communication skills.
