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Commercial Underwriter
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Insurance Underwriter
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Brighton, Brighton and Hove, United Kingdom Legal & General Full timeJob Title: Junior Life Medical UnderwriterWe are seeking a highly skilled and detail-oriented Junior Life Medical Underwriter to join our team at Legal & General. As a Junior 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...
Senior Life Medical Underwriter
2 months ago
We are seeking a highly skilled and experienced Senior Life Medical Underwriter to join our team at Legal & General Group.
As a Senior 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.
You will have the autonomy to 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 and hybrid opportunities depending on location, so we will be happy to discuss at the stage of application.
Key Responsibilities- Accurate Risk Assessment: Accurately assessing and documenting 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.
- Project Leadership: Ability to participate in or lead projects that enhance the underwriting process and improve our systems and commercial viability, including instigating such projects, using own initiative, expertise, and business awareness.
- Customer Communication: 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.
- Complaint Resolution: Identifying complaints and ensuring they are acted upon quickly and root causes highlighted to ensure compliance with complaints response time limits.
- Regulatory Compliance: Taking ownership of maintaining an excellent knowledge and understanding of legislative and regulatory requirements.
- Service Delivery: Understanding the commitments 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 expectations of performance and service are met.
- Risk Understanding: Thorough understanding of the risk factors for mortality and morbidity, as well as financial underwriting.
- Legislative Knowledge: Understanding of legislations and regulatory requirements would be preferable.
As a Senior Life Medical Underwriter at Legal & General Group, you will be rewarded with a competitive package that looks after all the things that are important to you.
- Performance-Related Bonus: The opportunity to participate in our annual, performance-related bonus plan.
- Generous 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. There's also the option to buy and sell holiday.
- 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.
Legal & General Group is a leading financial services group and major global investor, 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 aim to build a better society for the long term by investing our customers' money in things that make life better for everyone.
We strive to be open, mindful, and inclusive, so are always willing to discuss flexible working arrangements and reasonable accommodations for candidates with specific needs.