At a Glance
- Tasks: Assess customer applications and determine appropriate insurance terms in a collaborative environment.
- Company: Join Legal & General, a leading UK financial services group with a focus on customer protection.
- Benefits: Competitive salary, performance bonuses, generous holiday, and electric car scheme.
- Other info: Flexible working options available to support your lifestyle and career growth.
- Why this job: Build your underwriting expertise while making a real difference in customers' lives.
- Qualifications: Understanding of risk factors and strong communication skills are essential.
The predicted salary is between 35000 - 45000 € per year.
Company Description
Legal & General (L&G) is a leading UK financial services group and major global investor. We’ve been safeguarding people’s financial futures since 1836, and strive to build a better society, while improving the lives of our customers and creating value for shareholders. We are one of the world’s largest asset managers and provide powerful asset origination capabilities. Together, these underpin our retirement and protection solutions: we are an international player in pension risk transfer, in UK and US life insurance, and in UK workplace pensions and retirement income.
Who we are
Our Retail business supports customers throughout their lives, to help them save, plan, protect and enjoy retirement. We’re a leading provider of retirement and protection solutions. We aim to support our c.12.8 million policyholders and workplace members throughout their lifelong financial journeys. We focus on helping the customers of today and tomorrow achieve better long-term outcomes. We either talk with them directly or work with intermediaries and employers to meet their needs. We use the latest technology to connect with them quickly, efficiently and wherever possible in highly personalised ways.
Job Description
We’re recruiting for an Initial Risk Underwriter to join us. We’re offering a competitive base salary. We’re looking for an Initial Risk Underwriter to join our Retail Protection team, playing a key role in helping customers access the protection they need. This role sits within our underwriting function and focuses on reviewing applications, assessing risk and supporting fair, accurate decision-making. You’ll be working in a collaborative environment, ensuring that every customer receives the right outcome based on their individual circumstances. This is an excellent opportunity to build underwriting expertise while delivering a high-quality customer experience.
What you'll be doing:
- Assessing customer applications to identify life and disability risk factors and determining appropriate terms within agreed authority levels
- Reviewing medical and non-medical information to support accurate underwriting decisions
- Requesting and evaluating additional information where needed to support fair and proportionate outcomes
- Managing customer and intermediary queries efficiently to deliver a high standard of service
- Maintaining accurate and up-to-date records to support clear communication and business decision-making
- Identifying potential complaints and escalating appropriately to ensure timely resolution
- Communicating with internal teams, external partners and third parties to obtain and provide relevant information
- Keeping up to date with regulatory requirements, company policies and underwriting best practice
Who we're looking for:
- Understanding of risk factors affecting mortality and morbidity
- Knowledge of protection products such as life insurance, critical illness and income protection
- Awareness of relevant legislation and regulatory requirements is desirable
- Strong written and verbal communication skills across a range of channels
- Ability to assess applications holistically and make balanced, evidence-based decisions
- Strong organisational skills with the ability to prioritise and manage workload effectively
- Commitment to delivering an excellent customer experience
- Willingness to learn and develop underwriting knowledge, with training provided
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
- Healthcare Plan (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 (permanent employees only)
- There are many discounts we offer – both for our own products and at a range of high street stores and online
- We’re creating net-zero carbon workplaces by 2030 by investing in our sustainable, modern offices across the UK, all designed to bring people together and elevate the in-person experience
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.
Initial Risk Underwriter in Brighton employer: LegalAndGeneral
Legal & General (L&G) is an exceptional employer, offering a collaborative work environment where Initial Risk Underwriters can thrive while making a meaningful impact on customers' financial futures. With a strong focus on employee growth, L&G provides comprehensive training, generous benefits including a competitive pension scheme and healthcare plan, and a commitment to flexible working arrangements, all within a culture that values diversity and inclusion. Join us in our modern, sustainable offices as we work together to create better outcomes for our policyholders and the community.
StudySmarter Expert Advice🤫
We think this is how you could land Initial Risk Underwriter in Brighton
✨Tip Number 1
Network like a pro! Reach out to current employees at Legal & General on LinkedIn or through mutual connections. Ask them about their experiences and any tips they might have for landing the Initial Risk Underwriter role.
✨Tip Number 2
Prepare for the interview by brushing up on your knowledge of risk factors and protection products. Be ready to discuss how you would assess applications and make evidence-based decisions, as this will show you're serious about the role.
✨Tip Number 3
Practice your communication skills! Since you'll be managing customer queries and collaborating with teams, being able to articulate your thoughts clearly is key. Try mock interviews with friends or use online resources to refine your approach.
✨Tip Number 4
Don't forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows you’re genuinely interested in joining the team at Legal & General.
We think you need these skills to ace Initial Risk Underwriter in Brighton
Some tips for your application 🫡
Tailor Your Application:Make sure to customise your application to highlight how your skills and experiences align with the role of Initial Risk Underwriter. We want to see how you can contribute to our mission of providing excellent customer service and accurate risk assessment.
Showcase Your Communication Skills:Since strong written communication is key for this role, ensure your application is clear and concise. Use professional language but let your personality shine through – we love a bit of character!
Highlight Relevant Experience:If you've got experience in assessing risk factors or working with protection products, make it known! We’re looking for candidates who can demonstrate their understanding of life insurance and related areas.
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way to ensure your application gets the attention it deserves. Plus, you’ll find all the info you need about the role and our company culture there!
How to prepare for a job interview at LegalAndGeneral
✨Know Your Risk Factors
Familiarise yourself with the key risk factors affecting mortality and morbidity. Brush up on your knowledge of life insurance, critical illness, and income protection products. This will help you demonstrate your understanding during the interview and show that you're ready to assess applications effectively.
✨Showcase Your Communication Skills
Since strong written and verbal communication skills are essential for this role, practice articulating your thoughts clearly. Prepare examples of how you've managed customer queries or communicated complex information in the past. This will highlight your ability to deliver a high standard of service.
✨Demonstrate Organisational Skills
Be ready to discuss how you prioritise and manage your workload. Think of specific instances where you successfully balanced multiple tasks or met tight deadlines. This will reassure the interviewers that you can handle the demands of the Initial Risk Underwriter position.
✨Emphasise Your Willingness to Learn
Express your eagerness to develop your underwriting knowledge. Mention any relevant training or courses you've undertaken, and be open about your desire to grow within the role. This shows that you're committed to continuous improvement and aligns with the company's values.
