Life Medical Underwriter

At Legal & General, the Life Medical Underwriter is responsible for accurately assessing and documenting risks by reviewing applications for Life, Critical Illness Cover, and Income Protection. This includes determining which terms can be offered based on individual risk assessments, leading enhancements in underwriting processes, and ensuring compliance with regulations. Excellent communication skills are essential for collaborating with clients and internal teams to maximize customer satisfaction.

To qualify for the Life Medical Underwriter role at Legal & General, candidates should possess experience in underwriting protection products. A thorough understanding of mortality and morbidity risk factors is crucial, along with extensive knowledge of protection products. Familiarity with legislative and regulatory requirements is preferred, accompanied by strong written and verbal communication skills to excel in this role.

Yes, Legal & General offers flexible work arrangements for the Life Medical Underwriter position. Depending on your location, you can choose between home-based work or a hybrid model that allows you to balance your professional and personal life comfortably. This flexibility is part of our commitment to supporting our employees' diverse working needs.

Legal & General provides an attractive benefits package for Life Medical Underwriters, including a competitive salary, an annual performance-related bonus plan, generous pension contributions, life assurance, and private medical insurance for permanent employees. Employees can also enjoy at least 25 days of holiday, options to buy and sell additional leave, and various discounts on products and services.

Legal & General promotes a culture of career development for Life Medical Underwriters. You will have access to various initiatives aimed at enhancing your skills and knowledge in the field. Additionally, you'll work alongside diverse professionals who can provide mentorship and support as you progress in your career, with numerous opportunities for collaboration and learning.

When answering this question, focus on detailing your specific experience with various protection products, including the types you have underwritten, challenges you've faced, and how you've overcome them. Discuss your understanding of risk assessment and show how your past roles have prepared you for the Life Medical Underwriter position at Legal & General.

In your response, outline the key risk factors you consider when assessing applications, such as health conditions, lifestyle choices, and financial circumstances. Discuss your methodology for evaluating these risks and how you document your findings to ensure compliance and accuracy—this will demonstrate your capability and thoroughness in the underwriting role.

It's important to show that you handle complaints proactively and empathetically. Describe your approach to resolving complaints, including listening to the customer, conducting a thorough review of their situation, and ensuring that any feedback is documented for future improvements. Provide an example of a time you turned a complaint into a positive outcome.

Highlight your understanding of the legislative framework surrounding life insurance underwriting. Discuss specific regulations that apply in the UK and how you stay informed about changes in the regulatory environment. Illustrating your commitment to compliance is crucial, as it’s a key part of the Life Medical Underwriter role at Legal & General.

When discussing a project, emphasize your role and the results achieved. Explain the project's goals, how you collaborated with others, and any measurable outcomes that demonstrate its success, such as improved efficiency or accuracy in assessments. This showcases your proactive approach and initiative.

Detail your time management strategies, such as using prioritization methods like the Eisenhower Matrix or creating to-do lists. Illustrate your ability to manage deadlines effectively while ensuring accuracy in your assessments. This will reassess your potential to handle high workloads as a Life Medical Underwriter.

Emphasize the importance of both written and verbal communication in this role. Discuss the need for clear communication with clients regarding underwriting decisions and the necessity to collaborate effectively with internal teams. Provide examples of how your communication skills have contributed to successful outcomes in past roles.

Mention specific software platforms or underwriting tools you've used effectively in previous roles, describing how they aided in improving your workflow. If possible, relate your experience with technology to your prospective role at Legal & General, which may involve similar systems.

Discuss strategies you use to stay informed, such as attending industry conferences, subscribing to financial services publications, participating in webinars, or networking with other professionals. This shows your commitment to continuous learning and adapting to industry developments as a Life Medical Underwriter.

Your response should convey your admiration for Legal & General's reputation, values, and commitment to enhancing customer financial wellbeing. Discuss aligning your career aspirations with the company's mission and how you believe your skills and experiences can contribute to their ongoing success.