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: Enjoy competitive salary, performance bonuses, healthcare, and flexible working options.
- Other info: Be part of an inclusive culture that values diverse backgrounds and career development.
- Why this job: Make a real difference by helping customers secure their financial futures.
- Qualifications: Strong communication skills and a willingness to learn about risk assessment.
The predicted salary is between 35000 - 45000 € per year.
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.
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, aiming to support our c.12.8 million policyholders and workplace members throughout their lifelong financial journeys.
We’re recruiting 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.
Responsibilities:- 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.
- 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.
- The opportunity to participate in our annual, performance‑related bonus plan and valuable share schemes.
- 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.
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.
Initial Risk Underwriter in Hove employer: LegalAndGeneral
Legal & General is an exceptional employer, offering a collaborative work environment in Cardiff where you can develop your underwriting expertise while making a meaningful impact on customers' lives. With competitive benefits including performance-related bonuses, generous holiday allowances, and a commitment to sustainability, L&G fosters a culture of inclusivity and personal growth, empowering employees to thrive in their careers.
StudySmarter Expert Advice🤫
We think this is how you could land Initial Risk Underwriter in Hove
✨Tip Number 1
Network like a pro! Reach out to people in the industry, especially those at Legal & General. A friendly chat can open doors and give you insights that a job description just can't.
✨Tip Number 2
Prepare for interviews by practising common questions related to risk assessment and customer service. We want you to shine, so think about how your skills align with what L&G is looking for!
✨Tip Number 3
Showcase your passion for customer experience! When you get the chance to speak with interviewers, share examples of how you've gone above and beyond for customers in the past.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re serious about joining the team at L&G.
We think you need these skills to ace Initial Risk Underwriter in Hove
Some tips for your application 🫡
Tailor Your Application:Make sure to customise your CV and cover letter for the Initial Risk Underwriter role. Highlight your understanding of risk factors and any relevant experience in assessing applications. This shows us you’re genuinely interested and have done your homework!
Showcase Your Communication Skills:Since strong written communication is key for this role, ensure your application is clear and concise. Use professional language but keep it friendly. We want to see how you can convey complex information simply and effectively.
Demonstrate Your Customer Focus:In your application, share examples of how you've delivered excellent customer service in the past. We’re all about helping our customers achieve better outcomes, so let us know how you’ve contributed to that in your previous roles.
Apply Through Our Website:Don’t forget to submit your application through our website! It’s the best way for us to receive your details and ensures you’re considered for the role. Plus, it’s super easy to do!
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 protection products like life insurance and critical illness cover, as this will help you demonstrate your understanding during the interview.
✨Showcase Your Communication Skills
As an Initial Risk Underwriter, strong communication is crucial. Prepare to discuss how you've effectively managed customer queries in the past. Use specific examples that highlight your ability to communicate complex information clearly and concisely.
✨Demonstrate Organisational Skills
Be ready to talk about how you prioritise and manage your workload. Share examples of how you've maintained accurate records and ensured clear communication in previous roles, as this aligns with the responsibilities of the position.
✨Emphasise Your Commitment to Customer Experience
Legal & General values excellent customer service. Prepare to discuss how you've gone above and beyond to ensure a positive experience for customers. Highlight any instances where you've resolved complaints or provided tailored solutions.
