Albany Beck
Life Underwriter
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Life Underwriter
Location: UK – Hybrid
Engagement Type: FTC OR Contract
Company: Albany Beck
Practice: Underwriting
Client Industry: Insurance / Life & Protection
About Albany Beck
Albany Beck is a Management Consultancy focused on providing specialist talent and transformative solutions to Financial Services clients. We combine subject matter expertise with innovative delivery models that help clients scale efficiently, while offering meaningful, long-term career opportunities to our people. At Albany Beck, you’ll be choosing to work with an organisation that’s passionate about your learning journey and committed to your professional and personal development.
Role Overview
Albany Beck is seeking an experienced Life Underwriter to join our growing Underwriting Practice, supporting leading insurers across the UK Life and Protection market. This is an opportunity to combine your underwriting expertise with the variety and exposure that comes from working within a specialist Financial Services consultancy. You will work with Albany Beck clients across a range of underwriting environments and initiatives, providing high-quality technical underwriting expertise while supporting improvements across customer journeys, operational processes and underwriting capability. Depending on the engagement, this could include supporting underwriting teams with complex case assessment, improving underwriting processes, supporting transformation initiatives, reviewing underwriting philosophies and guidelines, or helping organisations respond to periods of increased business demand. Alongside client delivery, you will become part of Albany Beck's developing Underwriting Practice, sharing knowledge and helping us continue to build a strong community of underwriting professionals.
Key Responsibilities
- Assess and make decisions on Life and Protection applications in line with agreed underwriting philosophy and authority levels.
- Review medical, financial, occupational and lifestyle information to determine appropriate underwriting outcomes.
- Manage complex or higher-risk cases requiring detailed underwriting assessment.
- Apply appropriate terms, ratings, exclusions or other underwriting decisions where required.
- Ensure underwriting decisions are consistent, evidence-based and appropriately documented.
- Work with medical professionals, reinsurers and other specialists where additional assessment is required.
- Maintain strong standards of customer service while balancing commercial and risk considerations.
- Provide underwriting expertise across Albany Beck client engagements.
- Support the review and improvement of underwriting processes, controls and customer journeys.
- Identify opportunities to improve underwriting efficiency and decision quality.
- Work collaboratively with Operations, Claims, Product, Risk, Technology and Transformation teams.
- Provide underwriting input into business and technology change initiatives.
- Support the implementation of new underwriting processes, systems and ways of working where required.
- Share underwriting knowledge and best practice with client and Albany Beck teams.
- Contribute to the continued development of Albany Beck's Underwriting Practice.
- Share market knowledge, technical expertise and underwriting best practice across the wider team.
- Support the development of underwriting standards and capability within the practice.
- Build strong relationships with colleagues and clients across the Insurance market.
- Help identify emerging trends and opportunities across Life and Protection underwriting.
- Act as a positive ambassador for Albany Beck and our growing Insurance capability.
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Key Skills & Experience
- Proven experience as a Life Underwriter within the UK Insurance market.
- Strong knowledge of Life and Protection products and underwriting principles.
- Experience assessing medical, financial, occupational and lifestyle risks.
- Strong technical underwriting and risk assessment capability.
- Experience managing cases independently within agreed underwriting authorities.
- Sound understanding of underwriting philosophies, guidelines and risk frameworks.
- Strong analytical and decision-making skills.
- Excellent written and verbal communication.
- Strong attention to detail and ability to clearly evidence underwriting decisions.
- Comfortable working with a range of stakeholders across Insurance organisations.
- Ability to adapt quickly to different client environments, processes and underwriting philosophies.
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Desirable Experience
- Experience across multiple Life and Protection products, including Life Insurance, Critical Illness and Income Protection.
- Experience underwriting complex or high-value cases.
- Previous experience working with reinsurers.
- Exposure to underwriting transformation, process improvement or technology change.
- Experience with automated or rules-based underwriting platforms.
- Knowledge of emerging technology and AI applications within underwriting.
- Experience coaching, mentoring or supporting less experienced Underwriters.
- Previous consultancy or client-facing experience is beneficial but not essential.
Personal Attributes
- Strong technical judgement and confidence in underwriting decisions.
- Commercially minded while maintaining appropriate risk discipline.
- Adaptable and comfortable working across different client environments.
- Collaborative and able to build relationships quickly.
- Curious about how underwriting processes and technology can be improved.
- Comfortable contributing ideas and challenging existing ways of working.
- Passionate about underwriting and developing technical capability.
- Interested in being part of a growing practice rather than simply performing an individual underwriting role.
Why Join Albany Beck?
This is an exciting time to join Albany Beck as we continue to invest in and expand our Underwriting Practice. Rather than joining a traditional insurer and working within a single underwriting environment, you'll have the opportunity to apply your expertise across different organisations, products and challenges within the Insurance market. You'll join a growing community of underwriting professionals, with opportunities to broaden your experience beyond traditional case underwriting and gain exposure to transformation, technology, process improvement and strategic change. As the practice continues to grow, there will also be opportunities to help shape our underwriting capability, share your expertise with others and develop your career alongside the practice. If you're an experienced Life Underwriter looking for greater variety, exposure and the opportunity to be part of building something as it grows, we'd love to hear from you.
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