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Senior Commercial Underwriter

1 month ago

Cardiff, United Kingdom Legal & General Full time

Our aim atLegal & General Retailis to help our customers plan for the unexpected, achieve financial security for their tomorrow, and protect everything that's important to them. To better understand our customers and meet their needs, we've brought our protection, retirement income, savings, lending, and advice, fintech and mortgage businesses under one umbrella. Created at the start of 2022 through the merging of our long-standing and trusted retail retirement and insurance businesses, we're a fast-growing division with big, customer-centred ambitions.



We're recruiting for aLife Medical Underwriter to join us. You will review customer applications to identify risk factors to assess whether we can offer Life, Critical Illness Cover and Income Protection applications. They can agree to offer the customer a policy, decide on what terms to offer or ask for more information from either the customer or their doctor.


We offer both home based or hybrid opportunities dependant on location, so will be happy to discuss at stage of application. 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
Taking ownership of maintaining an excellent knowledge and understanding of legislative and regulatory requirements
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
Thorough understanding of the risk factors for mortality and morbidity, as well as financial Underwriting
Understanding of legislations and regulatory requirements would be preferable
Whatever your role, we reward performance and behaviour with a package that looks after all the things that are important to you. 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
Legal & General is a leading financial services organisation, named Britain's Most Admired Company in 2023, for the second year running. Rated top in our sector and top for inspirational leadership, we have a strong heritage and an exciting future.


We're one of the world's largest asset managers, homebuilders, pension providers and insurers.Empowered through initiatives which support people to develop their careers and excel.


We strive to be open, mindful, and inclusive, so are always willing to discussing flexible working arrangements and reasonable accommodations for candidates with specific needs. Instead, think about what you excel at and what else you can bring in terms of strengths, potential and connection to our purpose.


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