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, using your own initiative, expertise, and business awareness.
3. Ensuring any requests for further information are appropriate, accurate, and 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 effective business decisions.
6. Maintaining an excellent knowledge and understanding of legislative and regulatory requirements.
7. Communicating with internal and external customers and third parties in a professional and efficient manner, ensuring customer satisfaction is maximized.
8. Understanding the commitments made about the level of service during marketing and sales processes to ensure customer expectations 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 is preferable.
5. Excellent written and verbal communication skills.
Whatever your role, we reward performance and behavior with a package that looks after all the things that are important to you. Here are some of the benefits we offer:
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 to foster connection and collaboration, with wellbeing at the heart.
Additional Information
Legal & General is a leading financial services organization, named in 2023 for the second year running. Rated top in our sector and 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. We connect to form a unique business model that drives value for our customers and society, enabling our people to create impact through meaningful work. 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. Guided by leaders with integrity who care about your future and wellbeing, you will be empowered through initiatives that support career development and excellence. 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 finding out more, we'd love to hear from you.
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