Insurance Underwriter

20 hours ago

Cardiff, Cardiff, United Kingdom Legal & General Full time
{"title": "Life Medical Underwriter", "description": "Role Overview

We are seeking a skilled Life Medical Underwriter to join our team at Legal & General. As a Life Medical Underwriter, you will play a critical role in reviewing customer applications to identify risk factors and assess whether we can offer Life, Critical Illness Cover, and Income Protection applications.

Key Responsibilities
  • Accurately assess and document 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.
  • Participate in or lead projects to enhance the underwriting process and improve our systems and commercial viability.
  • Ensure any requests for further information are appropriate and accurate and commensurate with the risk being assessed, ensuring the customer journey is not impacted unnecessarily.
  • Identify complaints and ensure they are acted upon quickly and root causes highlighted to ensure compliance with complaints response time limits.
  • Maintain an excellent knowledge and understanding of legislative and regulatory requirements.
  • Understand 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.
What We Offer

We offer a competitive base salary, the opportunity to participate in our annual, performance-related bonus plan, and valuable share schemes. We also provide a generous pension contribution, life assurance, private medical insurance, and 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, and participate in our electric car scheme.

We strive to be open, mindful, and inclusive, so we are always willing to discuss flexible working arrangements and reasonable accommodations for candidates with specific needs.

Legal & General is a leading financial services group and major global investor, named Britain's Most Admired Company in 2023, for the second year running. We aim to build a better society for the long term by investing our customers' money in things that make life better for everyone.

", "company": "Legal & General"}

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