Job Description We’re recruiting for a Initial Risk Underwriter to join us. We’re offering a competitive base salary. We’re looking for an Initial Risk Underwriter to join our Retail Protection team, playing a key role in helping customers access the protection they need. This role sits within our underwriting function and focuses on reviewing applications, assessing risk and supporting fair, accurate decision-making. You’ll be working in a collaborative environment, ensuring that every customer receives the right outcome based on their individual circumstances. This is an excellent opportunity to build underwriting expertise while delivering a high-quality customer experience. What you'll be doing: Assessing customer applications to identify life and disability risk factors and determining appropriate terms within agreed authority levels Reviewing medical and non-medical information to support accurate underwriting decisions Requesting and evaluating additional information where needed to support fair and proportionate outcomes Managing customer and intermediary queries efficiently to deliver a high standard of service Maintaining accurate and up-to-date records to support clear communication and business decision-making Identifying potential complaints and escalating appropriately to ensure timely resolution Communicating with internal teams, external partners and third parties to obtain and provide relevant information Keeping up to date with regulatory requirements, company policies and underwriting best practice Who we're looking for: Understanding of risk factors affecting mortality and morbidity Knowledge of protection products such as life insurance, critical illness and income protection Awareness of relevant legislation and regulatory requirements is desirable Strong written and verbal communication skills across a range of channels Ability to assess applications holistically and make balanced, evidence-based decisions Strong organisational skills with the ability to prioritise and manage workload effectively Commitment to delivering an excellent customer experience Willingness to learn and develop underwriting knowledge, with training provided Whatever your role, we reward performance and behaviour with a package that looks after all the things that are important to you. Here are some of the benefits we offer: The opportunity to participate in our annual, performance -related bonus plan and valuable share schemes Generous pension contribution Life assurance Healthcare Plan (permanent employees only) 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 Participate in our electric car scheme, which offers employees the option to hire a brand-new electric car through tax efficient salary sacrifice (permanent employees only) There are many discounts we offer – both for our own products and at a range of high street stores and online We’re creating net‑zero carbon workplaces by 2030 by investing in our sustainable, modern offices across the UK, all designed to bring people together and elevate the in‑person experience