Senior Life Underwriter in Cornwall

As a leading UK life and pensions mutual insurer with a proud history dating back to 1843, we exist to help people live financially confident lives – protecting their income while they work and maximising it when they stop. Today, over one million members and customers trust us to look after their futures, families and finances. Joining us means becoming part of a team that puts our members, customers and advisers at the heart of everything we do. We’re committed to creating an inclusive culture where colleagues can thrive. We are proud to have built a workplace where our colleagues feel welcomed, respected, supported and valued – reflected in our recognition as one of the Financial Times UK’s Best Employers in 2025 and 2026. We celebrate individuality and believe our differences make us stronger, so bring your true self and help shape the future of LV=.

We are excited to announce a wonderful opportunity for an underwriting professional to join LV= as a Senior Life Underwriter. Within this unique, crucial role, you’ll efficiently underwrite new business applications for life, critical illness and income protection insurance on appropriate terms, based on risk factors presented in applications. You will make fair and balanced decisions using relevant evidence, and by gathering further information for additional clarity where required. The role is based at our Exeter office, however we are comfortable with accepting applications from candidates who live in other areas of the UK – we will be more than happy to discuss how this works.

About You

• Be an experienced underwriting professional, with a strong understanding of life and income protection products.
• Demonstrate strong proof-reading skills, with a keen eye for detail.
• Be a knowledgeable and efficient decision-maker, with a passion for delivering excellent customer experiences.
• Showcase strong administration and organisational skills, with the ability to prioritise workload effectively.
• Maintain an awareness of the wider market and competitors’ products.
• Be adept at using Microsoft Office programmes such as Word, Excel, PowerPoint and Outlook.
• Consistently demonstrate excellent communication skills, with the ability to deliver information in a clear, concise manner, and with patience and empathy.
• Comfortably manage workload independently, while also supporting colleagues and the wider team with achieving mutual goals.

Key Responsibilities

• Assessing new business applications and making underwriting decisions within risk appetite and the underwriting philosophy.
• Providing fair, balanced decisions using appropriate evidence, in an efficient, customer-focused manner.
• Providing clear and robust justification of decisions where required, and referring cases to third parties, including CMO and re-assurers accurately.
• Building and maintaining strong working relationships with colleagues, customers and intermediaries.
• Contributing ideas for continuous improvement of operational processes, and aiding the resourcing of the department, thus enabling KPI’s to be met.
• Suggesting ideas to improve the overall customer journey.
• Obtaining ongoing CPD by self-education, attending training seminars, industry events and providing feedback to colleagues and business areas as required.
• Providing coaching, support and feedback to other members of the team where required, including quality checking, in a positive manner.
• Supporting on projects and testing where needed, to assist with business change plans.
• Partaking in the investigation of underwriting rules development/claims industry best practice, including analysis of MI where required.
• Acting as a strong representative on projects, including product initiatives and service improvements to drive the business forward.

Rewards if it’s right for you, our members and customers, and our business, then we’ll do everything we can to make it happen. We’re also open to conversations about flexible working as part of your application - if it’s right for our customers, our business and for you, then we’ll do everything we can to make it happen. Please note that we are unable to offer Skilled Worker Visa Sponsorship for this role. Therefore, you must ensure that you are eligible to work in the UK without our sponsorship in order for your application to be considered. Go on, bring your true self to LV=.