Life Underwriter

6 months ago

Exeter, United Kingdom LV= Full time

We’re pleased to be recruiting for a Life Underwriter to join our New Business and Claims team, on a fixed-term basis of 12 months.

**About you**:

- Possess excellent communication and interpersonal skills, both written and verbal
- Be able to work in a fast-paced, changing environment, while maintaining a high degree of accuracy, and meet tight deadlines
- Exhibit great administration skills, including the ability to manage, plan and prioritise your workload to adapt to customer needs
- Competently work on your own on complex cases, while also helping your team deliver on key targets
- Proactively consider the evolving needs of the business, and our changing industry
- Make pragmatic decisions and judgements on cases, in line with regulatory requirements and LV= values.
- Be numerical and literate, with a real eye for detail
- Have good working knowledge of Microsoft Office (Word, Excel and Outlook)
- Have established at least 3 years of experience in initial/full medical underwriting or claims assessment roles
- Demonstrate a good knowledge of Protection products
- CII exams in Life & Disability underwriting (or similar) - desirable
- CII exams in Health Claims (or similar) - desirable

**Details**:

- Making fair and balanced decisions using the appropriate evidence available, in an efficient and customer-focused way
- Providing concise and robust justifications of your decisions, and referring cases to third parties, including CMO and re-assurers when required, in an accurate and clear manner
- Utilising your excellent customer service skills to build and maintain relationships with customers and intermediaries
- Contributing ideas for the continuous improvement of the operational process, to aid the resourcing of the department as a whole, and enabling the area’s KPI’s to be met
- Providing suggestions and ideas to improve the customer journey
- Obtaining ongoing CPD by self-education, attending training seminars and industry events, and providing feedback to colleagues and other business areas as required
- Training, coaching and supporting to other members of the team
- Supporting projects and testing, where needed, to help support the business change plans
- Dealing with our range of products; Life, Critical Illness, Income Protection, TPD, Business Protection and Waiver of Premium (can be a limited set of products depending on business need and skills).

New Business Underwriting:

- Contributing suggestions and ideas to aid the development of our underwriting rules

Claims Assessment:

- Assessing Life and Disability claims in accordance with specified departmental procedures, and determining the level of benefit to be paid
- Managing claims with special regards to policy conditions, medical, financial and occupational evidence, authorising claims visits and use of private investigators (as appropriate).

**Why work for us?**:
At LV= Life & Pensions you’ll find we thrive on the benefit of everyone’s differences. Whoever you are, whatever you are and in whatever way you identify, you’re welcome here. We’ll make reasonable adjustments to specific needs to make sure your individual requirements are accommodated as far as possible. Being totally committed to equal opportunities opens up massive benefits, not just to our organisation and people but also to our members and our products. We’re proud of our people, we only recruit and promote on merit.

Go on, bring your true self to LV=.

**Rewards and Benefits**:
This role is a Band B in the LV= Structure.

We want you to love what you do that’s why we’ve put together a benefits package that recognises and rewards a job well done.

At LV= Life and Pensions, you’ll go above and beyond to do the right thing for our customers and we’ll reward you with an attractive, competitive salary and benefits package in exchange for your hard work. This includes:

- 26 days' holiday - which increases after two years’ service to 28 days
- The opportunity to buy or sell up to five days’ holiday
- An annual bonus scheme based on company and personal performance
- Flexible benefits - Cycle to work scheme/Health Assessment/Personal Accident Insurance/Critical Illness/Private Medical Insurance/Dental Insurance
- A competitive pension for which LV= Life and Pensions will double match the amount you pay, up to 14% (please click here to read more about it)
- Group Life Assurance 4 x basic pay to your dependants, you’ll have the option to increase to x 8 times cover
- Group Income Protection, if a member of the Pension scheme and reached 5 years’ service
- Employee Assistance Programme (EAP) service for support through difficult times in your life
- Virtual GP service
- Shared parental leave
- You’ll receive up to 20% discount on our life products for you and your immediate family.

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