* Permanent/Regular or Fixed Term Contract/Temporary: Permanent (UK and ROW) / Regular (US)
* L&G Business Unit: Legal & General Retail
* L&G sub Business Unit: LGRR
* Primary Location: Cardiff, Four Central Square
Job Description
We’re recruiting for an Enhanced Annuity Underwriter to join us. We’re offering a competitive base salary.
Legal & General helps people turn their pension savings into a reliable income and supports pension schemes in managing long‑term liabilities. In this role, the Enhanced Annuity Underwriter plays a key role in delivering fair, accurate and customer‑focused underwriting decisions.
Working as part of a collaborative and fast‑paced customer service environment, you will assess complex cases, apply sound judgement and contribute to positive outcomes for customers. This is an opportunity for someone who enjoys analysing information, working with a range of stakeholders, and continuously improving processes in a supportive and inclusive team.
Responsibilities
* Assess and underwrite enhanced annuity applications in line with business guidelines and risk frameworks
* Gather and evaluate medical, financial and supporting information to inform accurate decision‑making
* Deliver fair and balanced outcomes that meet customer needs while managing financial risk
* Use product, process and systems knowledge to provide an efficient and high‑quality service
* Identify opportunities to improve processes and contribute to continuous improvement initiatives
* Collaborate with colleagues and stakeholders to enhance customer outcomes and service delivery
* Maintain accurate records across underwriting and workflow systems
* Analyse underwriting data and insights to support strategy, risk awareness and performance improvement
Qualifications
* Experience in underwriting within a direct office or reinsurance environment
* Strong analytical skills with the ability to interpret complex information and make sound decisions
* Knowledge of medical risk factors and their impact on underwriting outcomes
* Good understanding of financial services, market conditions and commercial considerations
* Strong communication skills, with the ability to explain decisions clearly and effectively
* Ability to work collaboratively and build positive relationships across teams
* High attention to detail and strong organisational skills when managing multiple priorities
* A proactive mindset with a commitment to continuous learning and improvement
Benefits
* The opportunity to participate in our annual, performance‑related bonus plan and valuable share schemes
* 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
* Electric car scheme: employees may hire a brand‑new electric car through tax‑efficient salary sacrifice (permanent employees only)
* Discounts on our own products and at a range of high‑street stores and online
* Net‑zero carbon workplaces by 2030: sustainable, modern offices across the UK designed to bring people together and elevate the in‑person experience
#J-18808-Ljbffr