Commercial Underwriter

2 weeks ago

Edinburgh, Edinburgh, United Kingdom Legal & General Full time
Job Description

We are seeking a highly skilled Life Medical Underwriter to join our team at Legal & General. As a key member of our underwriting team, you will play a crucial role in assessing and documenting life and disability risks for our customers.

Key Responsibilities:
  • Assess and Document Life and Disability Risks: Review customer applications to identify risk factors and assess whether we can offer Life, Critical Illness Cover and Income Protection applications.
  • Make Informed Decisions: Decide which terms, if any, can be offered to customers based on your autonomy level and expertise.
  • Communicate Effectively: Ensure that any requests for further information are appropriate and accurate, and that the customer journey is not impacted unnecessarily.
  • Identify and Resolve Complaints: Identify complaints and ensure they are acted upon quickly, and root causes are highlighted to ensure compliance with complaints response time limits.
  • Maintain Accurate Records: Ensure that all work is accurately recorded daily to enable accurate communications to be delivered and effective business decisions to be made.
  • Stay Up-to-Date with Regulatory Requirements: Take ownership of maintaining an excellent knowledge and understanding of legislative and regulatory requirements.
  • Communicate with Stakeholders: Communicate 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.
Requirements:
  • Experience in Underwriting Protection Products: You will have experience underwriting protection products and a thorough understanding of the risk factors for mortality and morbidity, as well as financial underwriting.
  • Extensive Knowledge of Protection Products: You will have extensive knowledge of all protection products and an understanding of legislations and regulatory requirements.
  • Excellent Communication Skills: You will have excellent written and verbal communication skills.
What We Offer:
  • Competitive Salary: A competitive base salary.
  • Performance-Related Bonus: The opportunity to participate in our annual, performance-related bonus plan.
  • Valuable Share Schemes: Valuable share schemes.
  • Generous Pension Contribution: A generous pension contribution.
  • Life Assurance: Life assurance.
  • Private Medical Insurance: Private medical insurance (permanent employees only).
  • Holiday Entitlement: At least 25 days holiday, plus public holidays, 26 days after 2 years' service.
  • Competitive Family Leave: Competitive family leave.
  • Electric Car Scheme: The option to participate in our electric car scheme, which offers employees the option to hire a brand-new electric car through tax-efficient salary sacrifice.
  • Discounts: Many discounts we offer – both for our own products and at a range of high street stores and online.

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