Senior Life Medical Underwriter

5 days ago

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

We are seeking a highly skilled Senior Life Medical Underwriter to join our team at Legal & General. As a key member of our underwriting team, you will play a critical role in reviewing customer applications and assessing risk factors to determine the suitability of our life, critical illness cover, and income protection products.

Key Responsibilities:
  • Risk Assessment and Policy Review: Accurately assess and document life and disability risks by reviewing applications and deciding which terms, if any, can be offered based on your autonomy level.
  • Project Participation and Leadership: Participate in or lead projects that enhance the underwriting process and improve our systems and commercial viability, including initiating such projects using your own initiative, expertise, and business awareness.
  • Customer Communication: Ensure any requests for further information are appropriate and accurate, and commensurate with the risk being assessed, to ensure the customer journey is not impacted unnecessarily.
  • Complaint Handling: Identify complaints and ensure they are acted upon quickly, and root causes are highlighted to ensure compliance with complaints response time limits.
  • Record Keeping and Communication: Ensure all work is accurately recorded daily to enable accurate communications to be delivered and effective business decisions made.
  • Legislative and Regulatory Compliance: Take ownership of maintaining an excellent knowledge and understanding of legislative and regulatory requirements.
  • Customer Service: 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 by obtaining and giving the correct information.
Requirements:
  • Experience: Experience underwriting protection products.
  • Knowledge: Thorough understanding of the risk factors for mortality and morbidity, as well as financial underwriting.
  • Product Knowledge: Extensive knowledge of all protection products.
  • Legislative Knowledge: Understanding of legislations and regulatory requirements would be preferable.
  • Communication Skills: Excellent written and verbal communication skills.
Benefits:
  • Performance-Related Bonus: The opportunity to participate in our annual, performance-related bonus plan.
  • Pension Contribution: 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.
  • Family Leave: Competitive family leave.
  • Electric Car Scheme: 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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