Senior Life Medical Underwriter in Edinburgh

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.

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: Choose between home-based or hybrid opportunities, depending on your location. We ask for just one day a week in the office.
• 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

Who 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.

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.