Risk Underwriter

Legal & General (L&G) is a leading UK financial services group and major global investor.

We’ve been safeguarding people’s financial futures since 1836, and strive to build a better society, while improving the lives of our customers and creating value for shareholders.

We are one of the world’s largest asset managers and provide powerful asset origination capabilities. Together, these underpin our retirement and protection solutions: we are an international player in pension risk transfer, in UK and US life insurance, and in UK workplace pensions and retirement income.

Our Retail business supports customers throughout their lives, to help them save, plan, protect and enjoy retirement.

We’re a leading provider of retirement and protection solutions. We aim to support our c.12.8 million policyholders and workplace members throughout their lifelong financial journeys.

We focus on helping the customers of today and tomorrow achieve better long-term outcomes. We either talk with them directly or work with intermediaries and employers to meet their needs. We use the latest technology to connect with them quickly, efficiently and wherever possible in highly personalised ways.

We’re recruiting for aInitial Risk Underwriter to join us. We’re offering a competitive base salary.

Looking for a role where you can use your judgement, build specialist knowledge and make decisions that genuinely matter to customers?

We’re looking for an Initial Risk Underwriter to join our Retail Protection team. You don't necessarily need to have followed a traditional underwriting career path. We're interested in people with relevant life or protection experience as well as those whose medical or scientific background gives them a strong foundation for developing in underwriting.

You’ll help assess applications for protection cover, consider individual risk factors and make fair, balanced decisions while building your technical expertise.

• Reviewing customer applications and assessing relevant risk factors
• Making balanced underwriting decisions within your authority level
• Escalating more complex cases when required
• Requesting additional information from customers and medical professionals
• Responding to customer and stakeholder queries clearly and professionally
• Recording case information and decisions accurately
• Building your knowledge of protection products, regulation and underwriting requirements
• Supporting positive customer outcomes and agreed service standards

• An understanding of mortality and morbidity risk factors, or relevant knowledge that provides a strong foundation for developing this
• Experience with in life assurance, protection, customer service or pre-sales underwriting, or a relevant medical/scientific background
• An interest in developing a career in underwriting
• The ability to review different pieces of information and reach balanced decisions
• Strong written and verbal communication skills
• Good organisation and the ability to prioritise your workload
• An awareness of Life, Critical Illness or Income Protection products would be beneficial
• Knowledge of relevant regulation or underwriting systems would be helpful, but training can be provided where needed

• 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…