Senior Medical Underwriter

• 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: LGI
• Primary
  
  Location:
  
  Cardiff, Four Central Square

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.

Are you ready to take the next step in your underwriting career? We’re recruiting a Life Medical Underwriter to join our dynamic and supportive team.

In this role, you’ll assess customer applications to evaluate medical and financial risk, helping us make informed underwriting decisions across Life Insurance, Critical Illness Cover, and Income Protection. It’s a great opportunity for an experienced underwriter who enjoys autonomy, collaboration, and making a real impact on customer outcomes.

We offer a competitive salary, flexible working, and an environment that genuinely supports your professional development.

• Flexible working options – choose from home‑based, office‑based, or hybrid working
• Work–life balance – full‑time, part‑time, and condensed hours available
• Career development – ongoing learning, development opportunities, and the chance to grow your underwriting expertise
• Supportive team culture – collaborative, knowledgeable, and customer‑focused

• Assessing and documenting life and disability risk by reviewing customer applications and determining appropriate underwriting terms, in line with your agreed level of autonomy
• Making underwriting decisions across Life, Critical Illness, and Income Protection, balancing risk, customer outcomes, and commercial considerations
• Participating in or leading process improvement and change initiatives to enhance underwriting quality, systems, efficiency, and commercial viability
• Requesting additional medical or financial information where appropriate, ensuring requests are proportionate and do not negatively impact the customer journey
• Identifying potential complaints and ensuring they are escalated and addressed promptly, with root causes captured to support continuous improvement and regulatory compliance
• Maintaining accurate, timely records of all underwriting activity to support reporting, communication, and effective business decision‑making
• Keeping up to date with legislative and regulatory requirements, ensuring all underwriting decisions remain compliant
• Communicating professionally and effectively with internal stakeholders, external customers, and third parties using a variety of channels
• Understanding service level commitments made during the sales process and ensuring underwriting activity supports customer expectations and delivery standards

• UK medical underwriting experience (essential)
• Strong understanding of mortality and morbidity risk factors, including financial underwriting
• Extensive knowledge of Life, Critical Illness, and Income Protection products
• Excellent written and verbal communication skills
• Knowledge of relevant UK legislation and regulatory requirements
• Experience contributing…