End Date

Salary Range

We support agile working – click here for more information on agile working options.

Agile Working Options

Job Description Summary

Job Description

JOB TITLE: Senior Medical Underwriter - Scottish Widows

SALARY: £41,292 - £61,938

LOCATION: Nationwide
HOURS: Full-time – 35 hours

About this opportunity

We currently have an exciting opportunity for a Medical Underwriter within our Scottish Widows Protect Underwriting team. Scottish Widows Protect underwriting is a key risk process to support business growth and provide a comprehensive underwriting service for our customers. Making the right decisions for our protection customers is key to supporting our Protection strategy and business growth and providing a superior support service.

Why Lloyds Banking Group

With over five million customers, and having celebrated our 200th anniversary in 2015, Scottish Widows is one of the UK’s most trusted Life, Pensions, and Investments providers.

We want to ensure this success continues and grows. In Insurance Customer Delivery, we contribute to this success by providing critical services to our customers and supporting them with their insurance needs, whilst ensuring the customer is at the heart of our business.

The Group is striving to be the best bank for customers and to help Britain prosper. We're all responsible for the long-term success of the company - through our individual roles, activities, and achievements. Here in Insurance Customer Delivery, we provide critical services to our customers, supporting them with their insurance needs, along with a focus on ensuring the customer is at the heart of our business.

What you’ll need

We’ll need you to have previous medical underwriting experience in a Life and Disability Underwriting role, as you’ll be responsible for the assessment of life and disability applications. You’ll assess information from differing sources, such as GP medical reports, and information provided by applicants. It’s a varied and interesting role, where you’ll be making decisions on the best possible terms we can offer to our customers.

Your strong written and oral communication skills will be paramount, to enable you to articulate the reasons behind your decisions to both customers and advisors. You’ll need to show care and empathy when liaising with our customers, ensuring you’re sensitive to their circumstances.

Skills / Knowledge

• Knowledge and experience of the Protection Market in a Life and Disability Medical Underwriter role.
• Understanding of medical terminology and ability to interpret medical information.
• Excellent written and oral communication skills to articulate reasons for decisions to our customers.
• Excellent relationship skills to liaise with Reinsurers, Chief Medical Officer, Intermediaries, and key partners.
• Excellent analytical skills.
• Ability for succinct and accurate records of underwriting summaries and decisions.
• Ability to take ownership of individual workload and ensure timely completion

About working for us

Our focus is to ensure we're inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms. We want our people to feel that they belong and can be their best, regardless of background, identity or culture.
We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer initiative. And it’s why we especially welcome applications from under-represented groups.
And we’re disability confident. So if you’d like reasonable adjustments to be made to our recruitment processes, just let us know

We also offer a wide-ranging benefits package, which includes:

• A generous pension contribution of up to 15%
• An annual bonus award, subject to Group performance
• Share schemes including free shares
• Benefits you can adapt to your lifestyle, such as discounted shopping
• 28 days’ holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies
• Support with working from home, so we don’t necessarily need you to be in the office unless there is a clear purpose or business requirement.

Ready for a career where you can have a positive impact as you learn, grow and thrive?

Apply today and find out more

At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.

We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.

We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.