Senior Life Medical Underwriter
Senior Life Medical Underwriter

Senior Life Medical Underwriter

Hove Full-Time 36000 - 60000 £ / year (est.) No home office possible
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At a Glance

  • Tasks: Review customer applications to assess risk factors for life and critical illness cover.
  • Company: Join L&G, a purpose-driven organisation committed to positive outcomes and professional growth.
  • Benefits: Enjoy flexible work options, generous holiday, and participation in bonus and share schemes.
  • Why this job: Be part of a dynamic team with opportunities for career development and a focus on work-life balance.
  • Qualifications: Experience in UK medical underwriting and knowledge of protection products is essential.
  • Other info: We value diversity and support individual needs for flexible working arrangements.

The predicted salary is between 36000 - 60000 £ per year.

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 to 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 decide 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
  • QualificationsWho we\’re looking for:

  • 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
  • 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 InformationAt 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. Share this article

    Senior Life Medical Underwriter employer: Legal & General

    At L&G, we pride ourselves on being an excellent employer, offering a supportive and inclusive work culture that prioritises employee wellbeing and professional growth. With flexible working arrangements, competitive benefits including generous pension contributions and private medical insurance, and a commitment to career development, our team members thrive in an environment that values collaboration and innovation. Join us in our modern office spaces designed for connection, where you can make a meaningful impact while enjoying a healthy work-life balance.
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    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 boost your confidence during interviews but also demonstrate your commitment to staying updated in the field.

    ✨Tip Number 2

    Network with professionals in the underwriting industry, especially those who work in life insurance. Attend relevant events or join online forums to gain insights and potentially get referrals for job openings.

    ✨Tip Number 3

    Prepare to discuss specific case studies or examples from your previous experience that highlight your skills in assessing risk factors. This will help you stand out as a candidate who can bring practical knowledge to our team.

    ✨Tip Number 4

    Showcase your understanding of customer service in your conversations. Emphasising how you can enhance the customer journey while maintaining compliance will align well with our values at StudySmarter.

    We think you need these skills to ace Senior Life Medical Underwriter

    Medical Underwriting Expertise
    Risk Assessment
    Knowledge of Mortality and Morbidity Factors
    Understanding of Financial Underwriting
    Regulatory Compliance Knowledge
    Excellent Written Communication Skills
    Strong Verbal Communication Skills
    Attention to Detail
    Project Management Skills
    Customer Service Orientation
    Analytical Thinking
    Problem-Solving Skills
    Ability to Work Autonomously
    Collaboration Skills

    Some tips for your application 🫡

    Tailor Your CV: Make sure your CV highlights your 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 excellent written communication skills. Explain why you are passionate about the role and how your background aligns with the company's values and the responsibilities outlined in the job description.

    Highlight Relevant Experience: In your application, emphasise any projects you've led or participated in that improved underwriting processes. This will show your proactive approach and ability to enhance systems, which is crucial for this role.

    Showcase Your Knowledge: Demonstrate your thorough knowledge of legislative and regulatory requirements related to life and disability risks. Mention any relevant training or certifications that support your expertise in this area.

    How to prepare for a job interview at Legal & General

    ✨Know Your Underwriting Basics

    Brush up on your knowledge of life and disability underwriting, especially in the UK context. Be prepared to discuss risk factors like mortality and morbidity, as well as how they influence decision-making in underwriting.

    ✨Demonstrate Communication Skills

    Since the role involves communicating with internal and external customers, practice articulating your thoughts clearly. Prepare examples of how you've effectively communicated complex information in previous roles.

    ✨Showcase Problem-Solving Abilities

    Think of instances where you've identified issues or complaints and how you resolved them. Highlight your ability to act promptly and ensure compliance with response times, as this is crucial for maintaining customer satisfaction.

    ✨Familiarise Yourself with Legislation

    Understand the relevant legislation and regulations that impact underwriting. Being able to discuss these confidently will demonstrate your expertise and commitment to compliance during the interview.

    Senior Life Medical Underwriter
    Legal & General
    Location: Hove

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