Company Description
Legal & General supports the savings, protection, and retirement needs of around 14 million people through our portfolio of retail and workplace businesses.
Our Retail division helps people enjoy a more colourful retirement, both directly and through their employers, including Lifetime Mortgages, Retirement Interest Only Mortgages, and financial advice on our range of lending products.
We are the UK’s number one individual life insurer and also provide Group Protection products for employers—helping people to plan for the unexpected. We support home buying through our Mortgage Club—the UK’s largest—and our award-winning Surveying Services team. Our fintech team finds and supports socially useful start-ups and scale-ups working in workplace, home, insurance, and wealth areas.
Joining us means helping create brighter financial futures for all our customers.
Job Description
Are you ready to take your career to the next level? We’re recruiting for a Life Medical Underwriter to join our dynamic team. You will review customer applications to identify risk factors and assess whether we can offer Life, Critical Illness Cover, and Income Protection applications. With a competitive base salary and flexible working options, this is an opportunity you don't want to miss!
Why You'll love working with us:
* Flexible Work Arrangements: Choose between home-based or hybrid opportunities, depending on your location. We ask for just one day a week in the office.
* Work-Life Balance: We offer full-time, part-time, and condensed hours to suit your lifestyle.
* Career Development: We provide opportunities for you to grow and advance in your field.
What you'll be doing:
* Assessing and documenting life and disability risks by reviewing applications and deciding on terms based on your autonomy level.
* Participating in or leading projects to enhance the underwriting process and improve systems and commercial viability, using your initiative and expertise.
* Ensuring requests for further information are appropriate and do not impact the customer journey unnecessarily.
* Identifying and acting on complaints promptly, highlighting root causes for compliance.
* Accurately recording all work daily for effective communication and business decisions.
* Maintaining excellent knowledge of legislative and regulatory requirements.
* Communicating professionally with internal, external customers, and third parties to maximize customer satisfaction.
* Understanding service commitments made during marketing and sales to meet customer expectations.
Qualifications
Who we're looking for:
* Experience in underwriting protection products.
* Experience in UK medical underwriting (essential).
* Thorough understanding of risk factors for mortality and morbidity, as well as financial underwriting.
* Extensive knowledge of protection products.
* Understanding of legislation and regulatory requirements (preferable).
* Excellent written and verbal communication skills.
Benefits include:
* Participation in our annual performance-related bonus plan and share schemes.
* Generous pension contribution.
* Life assurance and private medical insurance (permanent employees).
* At least 25 days holiday plus public holidays, with options to buy and sell holiday.
* Family leave, electric car scheme, discounts, and modern workspaces focused on wellbeing.
Additional Information
At L&G, we believe in generating positive returns today while building a better future for all.
If you join us, you'll be part of an inclusive culture with opportunities to collaborate across diverse backgrounds. We are led by leaders who care about your future and wellbeing, supporting your career development. We are flexible and open to discussing various working arrangements, including part-time, term-time, and job shares. We encourage you to consider your strengths and potential, even if you don’t meet every criterion listed.
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