Enhanced Annuity Underwriter

Company Description

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.

Who we are

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 a Enhanced Annuity Underwriter to join us. We’re offering a competitive base salary.

Legal & General is helping people turn their pension savings into a reliable income and supporting pension schemes in managing long-term liabilities. Within this context, 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.

• Assessing and underwriting enhanced annuity applications in line with business guidelines and risk frameworks
• Gathering and evaluating medical, financial and supporting information to inform accurate decision-making
• Delivering fair and balanced outcomes that meet customer needs while managing financial risk
• Using product, process and systems knowledge to provide an efficient and high-quality service
• Identifying opportunities to improve processes and contributing to continuous improvement initiatives
• Collaborating with colleagues and stakeholders to enhance customer outcomes and service delivery
• Maintaining accurate records across underwriting and workflow systems
• Analysing underwriting data and insights to support strategy, risk awareness and performance improvement

• Proven experience in medical underwriting, or a strong background in the healthcare/medical field, is required
• 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

• 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 our electric car scheme, which offers employees the option to hire a brand-new electric car through tax efficient salary sacrifice (permanent employees only)
• There are many discounts we offer – both for our own products and at a range of high street stores and online
• We’re creating net-zero carbon…