Senior Medical Underwriter

Legal & General is the UK’s number one individual life insurer, supporting 14 million people with savings, protection and retirement products through our retail and workplace businesses. Our Retail division offers Lifetime Mortgages, Retirement Interest Only Mortgages, financial advice on lending products, Group Protection for employers, a Mortgage Club and an award‑winning Surveying Services team. We also support socially useful start‑ups through our fintech team.

We are recruiting a Life Medical Underwriter to review customer applications, identify risk factors, and decide whether we can offer Life, Critical Illness Cover and Income Protection. This is an opportunity to work with competitive base salary and flexible working options.

• Flexible Work Arrangements
  :
  Work from Home, Office, or Hybrid – the choice is yours.
• Work‑Life Balance
  :
  We offer full‑time, part‑time, and condensed hours.
• Career Development
  :
  Opportunities to grow and advance in your field.

• Accurately assess and document life and disability risks by reviewing applications and deciding which terms can be offered.
• Participate in or lead projects that enhance the underwriting process and improve systems and commercial viability.
• Ensure requests for further information are appropriate, accurate and timely.
• Identify complaints and ensure they are acted upon quickly, highlighting root causes.
• Record all work accurately daily to enable effective business decisions.
• Maintain excellent knowledge of legislative and regulatory requirements.
• Communicate professionally with internal and external customers and partners.
• Manage commitments regarding service levels during marketing and sales processes.

• Experience in underwriting protection products.
• Experience in UK medical underwriting (essential).
• Thorough understanding of mortality and morbidity risk factors and financial underwriting.
• Extensive knowledge of all protection products.
• Preferable understanding of legislation and regulatory requirements.
• Excellent written and verbal communication skills.

• Annual, performance‑related bonus plan and share schemes.
• Generous pension contribution.
• Life assurance.
• Private medical insurance for permanent employees.
• At least 25 days holiday (plus public holidays), 26 days after 2 years of service.
• Competitive family leave.
• Electric car scheme with tax‑efficient salary sacrifice.
• Discounts on products and a range of high‑street stores.
• Well‑designed office spaces with a focus on wellbeing.

At L&G, we strive to generate positive returns while building a better future for all. We welcome Www to collaborate with people of diverse backgrounds and empower careers.

We consider flexible working options open to part‑time, term‑time, and job shares. If you do not meet every single criterion, consider the strengths you bring to our purpose.

Not Applicable

Full‑time

Finance

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