Senior Underwriter

Senior Underwriter Job Type: Contract Rate: 400-450 Per day Location: Can be hybrid Cardiff, Hove, London or Fully Remote Keywords: underwriting, risk assessment, life insurance, critical illness cover, income protection, customer journey, regulatory compliance, remote working, collaborative team, continuous improvement A leading Life Insurer is seeking a Senior Underwriter to join their dynamic team. This is an exceptional opportunity for you to apply your expertise in life, critical illness, and income protection underwriting while enjoying the flexibility of working from home. The company is renowned for its commitment to customer satisfaction, robust support structures, and a culture that values knowledge sharing and professional growth. As a Senior Underwriter, you will play a pivotal role in ensuring customers receive accurate and fair cover, directly impacting their peace of mind and financial security. You will be empowered to make key decisions, participate in process improvement projects, and collaborate with colleagues across the business. If you are looking for a role where your attention to detail, empathy, and communication skills are truly valued-and where your work-life balance is respected-this could be the perfect next step in your career.

What you'll do: As a Senior Underwriter, you will be entrusted with the responsibility of evaluating complex applications for life insurance, critical illness cover, and income protection products. In this role, you will also have the chance to drive or contribute to projects that refine underwriting systems or enhance commercial outcomes. Carefully review customer applications for life, critical illness cover, and income protection policies to identify risk factors and determine appropriate terms within your authority limits. Document all assessments accurately to ensure future claims can be processed smoothly and fairly for customers. Initiate or participate in projects aimed at enhancing underwriting processes and improving commercial viability by leveraging your expertise and business awareness. Request further information from customers or medical professionals only when necessary, ensuring the customer journey remains smooth and efficient. Identify complaints promptly, act upon them quickly, and highlight root causes to ensure compliance with response time limits and improve service quality. Maintain up-to-date knowledge of legislative and regulatory requirements relevant to underwriting practices, adhering strictly to company policies and procedures. Communicate professionally with internal teams, external customers, and third parties through various channels to maximise satisfaction and provide clear information. Ensure all daily work is recorded accurately to support effective business decision-making and transparent communications across the organisation. Understand commitments made during marketing and sales processes so that customer expectations regarding performance and service are consistently met.

What you bring: To excel as a Senior Underwriter in this organisation's retail protection division, you will bring substantial experience in reviewing complex insurance applications with care and precision. Demonstrated expertise in assessing risk factors related to mortality, morbidity, and financial underwriting within the context of life insurance products. Comprehensive knowledge of protection products including life insurance, critical illness cover, and income protection policies. Familiarity with current legislative frameworks and regulatory requirements relevant to underwriting (preferable but not essential). Excellent time management skills enabling you to balance business needs with personal development priorities effectively. Outstanding written and verbal communication abilities across multiple platforms such as telephone calls, written correspondence, meetings, forums, or presentations. A holistic approach to application review-considering each case individually with empathy while applying sound judgement. Meticulous attention to detail ensuring accuracy in documentation and policy terms offered. Problem-solving capabilities allowing you to resolve issues efficiently while supporting positive outcomes for customers. Resilience under pressure-capable of managing high workloads without compromising quality or service standards. Experience providing coaching or feedback through mentoring or other supportive methods that foster continuous improvement among peers.

What sets this company apart: This organisation stands out for its unwavering dedication to both its employees' wellbeing and its customers' peace of mind. With a fully remote working model already embedded into its culture long before it became commonplace elsewhere, the company offers true flexibility-enabling you to achieve an optimal work-life balance without sacrificing career progression or connection with colleagues. The leadership team fosters an environment where collaboration is encouraged at every level; ideas are welcomed regardless of seniority; and continuous improvement is more than just a buzzword-it's part of everyday practice. Employees benefit from access to comprehensive training resources designed not only for technical skill enhancement but also personal growth Apply today by clicking on the link provided-your next fulfilling career move awaits! We are committed to creating an inclusive recruitment experience. If you have a disability or long-term health condition and require adjustments to the recruitment process, our Adjustment Concierge Service is here to support you. Please reach out to us at adjustments@robertwalters.com to discuss further.