Graduate Medical Underwriter

Job Description

About the L&G Graduate Programme

Looking for an exciting opportunity to kick start your career?

As a graduate at L&G, you'll join alongside a cohort of graduates and become part of our Future Talent community from day one. Our Future Talent induction will help you settle in, meet fellow graduates, learn about the business and start building connections across L&G.

Throughout the programme, you'll be supported by the Future Talent team, your line manager, experienced colleagues and peers. You'll gain hands on experience, develop new skills and have opportunities to learn from others across the business. You'll also be able to connect with colleagues through networking and social events, helping you build relationships and connections across the business.

About the team you’ll join

The Retail Protection Customer Underwriting team helps L&G decide whether it can offer life and critical illness cover to customers. The team assesses applications and any new medical information, working with customers, experienced underwriters, specialist colleagues and other parts of the business to make balanced, evidence-based decisions. By joining the team, you'll learn how medical underwriting works, build your risk assessment and communication skills, and contribute to a supportive customer experience as you take on a wider range of cases.

What you could be doing in this role

• Assessing customer applications and changes to applications to identify risks and decide whether more information is needed
• Progressing to reviewing information provided by customers, including medical reports and examinations, as your knowledge grows
• Learning how to assess risk and make balanced, evidence-based underwriting decisions
• Working with experienced underwriters and specialist colleagues to understand different areas of underwriting
• Communicating clearly with customers, colleagues and teams across the business
• Building problem-solving and decision-making skills through a range of cases and scenarios
• Taking increasing ownership of more complex cases with ongoing coaching and support
• Understanding how underwriting decisions affect customers and the wider organisation

As your confidence grows, you’ll have the opportunity to take on new challenges, build your expertise and make a real impact.

We believe that talent comes from many different backgrounds, experiences and ways of thinking. That's why we're committed to creating an inclusive environment where everyone feels valued, respected and supported to be their best. We encourage you to apply even if you don't meet every requirement in the advert. We're interested in your strengths, potential and willingness to learn.

Joining L&G is more than starting your first job. It's an opportunity to learn, grow and make a meaningful contribution while building a rewarding career.

Qualifications

You don’t need prior industry experience to apply. We’ll ask you to meet the role requirements, and we’re looking for people who are ready to learn, contribute and keep building the skills that will help them succeed on the programme. These include:

• Achieved or on track for a 2.1 in a life science, medical or health-related subject
• GCSE Maths and English Grade 5
• Are open to learning about new topics, ideas and ways of working
• Enjoy finding solutions and learning from challenges
• Can work effectively with others and learn from different perspectives
• Are willing to share ideas, ask questions and learn from feedback
• Care about doing a good job and continuing to improve
• Are willing to develop ways of organising their work and managing different priorities
• Can use analytical thinking to assess information and support decisions
• Can communicate effectively in writing and verbally

We recruit on a rolling basis and expect this vacancy to close before the deadline. To be in with the best chance of securing a role, please submit your application ASAP.The start date for this role is September 2027

#FutureTalent #FTGraduates

Qualifications

Additional Information

Whatever your role, we reward ability, performance and attitude with a package that looks after all the things that are important to you. Your hard work will be rewarded when you join us.

Benefits

• The opportunity to participate in our annual, performance-related bonus plan and valuable share schemes
• Generous pension contribution
• Life assurance
• Healthcare Plan (permanent employees only)
• At least 25 days holiday, plus public holidays, 26 days after 2 years’ service. There’s also the option to buy and sell holiday
• Competitive family leave
• Participate in our electric car scheme, which offers employees the option to hire a brand-new electric car through tax-efficient salary sacrifice (permanent employees only)
• There are the many discounts we offer – both for our own products and at a range of high street stores and online
• We’re creating net zero carbon workplaces by 2030 by investing in our sustainable, modern offices across the UK, all designed to bring people together and elevate the in-person experience

At L&G, we believe it's possible to generate positive returns today while helping to build a better future for all. 

If you join us, you’ll be part of a welcoming, inclusive culture, with opportunities to collaborate with people of diverse backgrounds, views, and experiences. Guided by leaders with integrity who care about your future and wellbeing. Empowered through initiatives which support people to develop their careers and excel.

We care passionately about outcomes rather than attendance and are therefore open to discussing all kinds of flexible working options including part-time and job shares. Although some roles have limited flexibility due to customer demand, we accommodate requests when we can. 

It doesn’t matter if you don’t meet every single criterion in this advert. Instead, think about what you excel at and what else you can bring in terms of strengths, potential and connection to our purpose.