Senior Life Medical Underwriter

Overview

As a Life Medical Underwriter, you evaluate medical and financial risk to inform underwriting decisions across Life Insurance, Critical Illness Cover, and Income Protection. You’ll join a supportive team that values autonomy, collaboration, and delivering positive customer outcomes. The role combines technical underwriting with process improvement to enhance quality, efficiency, and regulatory compliance. This is an opportunity to grow your underwriting expertise within a customer‑focused, flexible work environment.

Pay / Benefits

• annual performance bonus
• share schemes
• generous pension contribution
• life assurance
• Healthcare Plan
• 23–26 days holiday with buy/sell option

Responsibilities

• Assess life and disability risk by reviewing applications and determining appropriate underwriting terms within your autonomy level
• Make underwriting decisions across Life, Critical Illness and Income Protection balancing risk, outcomes, and commercial needs
• Lead or participate in process improvement initiatives to enhance underwriting quality, systems, efficiency, and viability
• Request additional medical or financial information when appropriate, ensuring proportionate impact on the customer journey
• Identify potential complaints, escalate and address promptly with root-cause analysis for continuous improvement and regulatory compliance
• Maintain accurate underwriting records to support reporting and decision-making
• Stay up-to-date with legislative and regulatory requirements ensuring compliant underwriting decisions
• Communicate professionally with internal stakeholders, customers, and third parties using multiple channels
• Ensure underwriting activity aligns with service levels and delivery standards during the sales process

Key requirements

• Proven experience underwriting UK protection products
• 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 to or leading underwriting improvement initiatives

• Excellent written and verbal communication skills
• Collaborative and customer-focused mindset
• Ability to balance risk with customer outcomes and commercial considerations
• UK protection product knowledge (Life, Critical Illness, Income Protection)
• UK medical underwriting expertise
• Knowledge of mortality and morbidity risk factors

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