Job Description
We’re recruiting for a Life Medical Underwriter to join us. We’re offering a competitive base salary. You will review customer applications to identify risk factors to assess whether we can offer Life, Critical Illness Cover, and Income Protection applications. You can 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.
What you'll be doing:
1. 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.
2. Participating in or leading projects that enhance the underwriting process and improve our systems and commercial viability, including instigating such projects using your initiative, expertise, and business awareness.
3. Ensuring any requests for further information are appropriate and accurate, commensurate with the risk being assessed, ensuring the customer journey is not impacted unnecessarily.
4. Identifying complaints and ensuring they are acted upon quickly, with root causes highlighted to ensure compliance with complaints response time limits.
5. Ensuring all work is accurately recorded daily to enable accurate communications and effective business decisions.
6. Taking ownership of maintaining an excellent knowledge and understanding of legislative and regulatory requirements.
7. Communicating with internal and external customers and third parties via all methods of communication in a professional and efficient manner, ensuring customer satisfaction is maximized and expectations met by obtaining and giving the correct information.
8. 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 expectation of performance and service are met.
Qualifications - Who we're looking for:
1. Experience underwriting protection products.
2. Thorough understanding of the risk factors for mortality and morbidity, as well as financial underwriting.
3. Extensive knowledge of all protection products.
4. Understanding of legislation and regulatory requirements would be preferable.
5. Excellent written and verbal communication skills.
Benefits:
1. The opportunity to participate in our annual performance-related bonus plan and valuable share schemes.
2. Generous pension contribution.
3. Life assurance.
4. Private medical insurance (permanent employees only).
5. At least 25 days holiday, plus public holidays, 26 days after 2 years’ service. There’s also the option to buy and sell holiday.
6. Competitive family leave.
7. Participate in our electric car scheme, which offers employees the option to hire a brand-new electric car through tax-efficient salary sacrifice.
8. Various discounts for our own products and at a range of high street stores and online.
9. In 2023, some of our workspaces were redesigned. Our offices are great spaces to connect and collaborate, with wellbeing at the heart.
Additional Information:
Legal & General is a leading financial services organisation, named 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’re one of the world's largest asset managers, homebuilders, pension providers, and insurers, connecting to form a unique business model that drives value for our customers and society. If you join us, you’ll be part of a welcoming, inclusive culture, with opportunities to collaborate with people of diverse backgrounds, views, and experiences. We strive to be open, mindful, and inclusive, and are always willing to discuss flexible working arrangements and reasonable accommodations for candidates with specific needs. It doesn’t matter if you don’t meet every single criterion in this advert. Instead, think about what you excel at and what else you can bring in terms of strengths, potential, and connection to our purpose. If you’re open to find out more, we'd love to hear from you.
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