Find a job 
Featured Companies 
Featured Universities 
For Companies At a Glance
- Tasks: Review customer applications to assess risk for Life and Critical Illness Cover.
- Company: Join Legal & General, the UK's top individual life insurer, supporting millions in financial security.
- Benefits: Enjoy flexible work options, generous holidays, and a competitive salary with bonuses.
- Why this job: Be part of a dynamic team making a real impact on customers' financial futures.
- Qualifications: Experience in UK medical underwriting and protection products is essential.
- Other info: We embrace diversity and offer a supportive, inclusive culture for all employees.
The predicted salary is between 43200 - 72000 ÂŁ 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
Are you ready to take your career to the next level? We’re recruiting for a Life Medical Underwriter to join our dynamic team. You\’ll be reviewing customer applications to identify risk factors and assess whether we can offer Life, Critical Illness Cover and Income Protection applications. With a competitive base salary and flexible working options, this is an opportunity you don’t want to miss!
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 within the team to suit your lifestyle.
- Career Development: We will provide opportunities for you to grow and advance in your field.
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.
- Ability to participate in or lead projects, which enhance the underwriting process and improve our systems and commercial viability, including instigating such projects, using own initiative, expertise and business awareness.
- 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 ensuring they are acted upon quickly and root causes highlighted to ensure compliance with complaints response time limits.
- Ensuring all work is accurately recorded daily to enable accurate communications to be delivered and effective business decisions made.
- Taking ownership of maintaining an excellent knowledge and understanding of legislative and regulatory requirements.
- Communicating with internal, external customers and third parties via all methods of communication in a professional and efficient manner ensuring customer satisfaction is maximised and expectations met by obtaining and giving the correct information.
- Understanding the commitments that are made about the level of service during the marketing and sales processes to ensure the area is capable of meeting those expectations and that customers’ reasonable expectation of performance and service are met.
Qualifications
- Must have experience in underwriting protection products.
- Must have experience in UK medical underwriting (essential).
- Must have 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.
Benefits
- 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 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
At L&G, we believe it’s possible to generate positive returns today while helping to build a better future for all.
If you join us, you’ll be part of a welcoming, inclusive 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 care passionately about outcomes rather than attendance and are therefore open to discussing all kinds of flexible working options including part‑time, term‑time and job shares. Although some roles have limited flexibility due to customer demand, we accommodate requests when we can.
It doesn’t matter if you don’t meet every single criterion in this advert. Instead, think about what you excel at and what else you can bring in terms of strengths, potential and connection to our purpose.
Seniority level
Not Applicable
Employment type
Full‑time
Job function
Finance
Referrals increase your chances of interviewing at Legal & General by 2x
Get notified about new Medical Underwriter jobs in Brighton And Hove, England, United Kingdom
#J-18808-Ljbffr
Senior Life Medical Underwriter employer: Legal & General
Contact Detail:
Legal & General Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Life Medical Underwriter
✨Tip Number 1
Familiarise yourself with the latest trends and regulations in medical underwriting. This will not only help you understand the role better but also demonstrate your commitment to staying updated in a rapidly evolving field.
✨Tip Number 2
Network with professionals in the insurance and underwriting sectors. Attend industry events or join relevant online forums to connect with others who can provide insights and potentially refer you to opportunities at Legal & General.
✨Tip Number 3
Prepare to discuss specific case studies or examples from your previous experience in underwriting. Being able to articulate how you've assessed risks and made decisions will set you apart during interviews.
✨Tip Number 4
Showcase your communication skills by preparing thoughtful questions for your interviewers. This not only reflects your interest in the role but also highlights your ability to engage with both internal teams and external clients effectively.
We think you need these skills to ace Senior Life Medical Underwriter
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in underwriting protection products and UK medical underwriting. Use specific examples to demonstrate your understanding of mortality, morbidity, and financial underwriting risk factors.
Craft a Compelling Cover Letter: Write a cover letter that showcases your passion for the role and the company. Mention how your skills align with the responsibilities outlined in the job description, particularly your ability to assess risks and improve underwriting processes.
Highlight Communication Skills: Since excellent written and verbal communication skills are essential for this role, provide examples in your application that demonstrate your ability to communicate effectively with both internal and external customers.
Showcase Continuous Learning: Mention any ongoing education or training related to legislation and regulatory requirements in the insurance sector. This shows your commitment to staying updated and compliant in your field.
How to prepare for a job interview at Legal & General
✨Showcase Your Underwriting Experience
Make sure to highlight your previous experience in underwriting protection products, especially in the UK medical underwriting sector. Be prepared to discuss specific cases where you identified risk factors and how you assessed applications.
✨Demonstrate Knowledge of Regulatory Requirements
Familiarise yourself with the latest legislation and regulatory requirements related to life and disability underwriting. During the interview, be ready to explain how you ensure compliance in your work and how it impacts customer satisfaction.
✨Communicate Clearly and Professionally
Since excellent communication skills are essential for this role, practice articulating your thoughts clearly. Use examples from your past experiences to demonstrate how you effectively communicated with internal teams and external customers.
✨Prepare for Scenario-Based Questions
Expect scenario-based questions that assess your problem-solving skills and decision-making process. Think of situations where you had to act swiftly on complaints or improve underwriting processes, and be ready to share your approach and outcomes.
