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Underwriter
Senior Life Underwriter
About The Role
As a leading UK life and pensions mutual insurer with a proud history dating back to 1843, LV= exists to help people live financially confident lives – protecting their income while they work and maximising it when they stop. Today, over one million members and customers trust us to look after their futures, families, and finances.
Joining us means becoming part of a team that puts our members, customers, and advisers at the heart of everything we do. We’re committed to creating an inclusive culture where colleagues can thrive. We are proud to have built a workplace where our colleagues feel welcomed, respected, supported, and valued, reflected in our recognition as one of the Financial Times UK’s Best Employers in 2025 and 2026.
We celebrate individuality and believe our differences make us stronger, so bring your true self and help shape the future of LV=.
Within this role, you’ll efficiently underwrite new business applications for life, critical illness, and income protection insurance, making decisions on appropriate terms based on risk. Previous experience of underwriting at least one of these products is essential.
This role is offered on a permanent basis with fantastic opportunities for growth and development. The position is based at our Exeter office, with potential for occasional travel.
Who You Are
Our ideal candidate will:
- Be an experienced underwriting professional with a strong understanding of life, critical illness, and income protection products.
- Demonstrate strong proofreading skills and a keen eye for detail.
- Be a knowledgeable decision-maker with a passion for delivering excellent customer experiences.
- Show strong administration and organisational skills.
- Maintain awareness of the wider market and competitor products.
- Be proficient in using Microsoft Office (Word, Excel, PowerPoint, Outlook).
- Be an excellent communicator, delivering information clearly with patience and empathy.
- Independently manage workload while supporting colleagues to achieve mutual goals.
- Have experience in:
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- Underwriting high-value applications
- Post-issue sampling
- Supporting claims with retrospective opinions (desirable)
Key Responsibilities
- Assessing new business applications and making underwriting decisions (within risk appetite and underwriting philosophy).
- Providing fair, balanced decisions with appropriate justification where required.
- Referring cases to third parties, including Chief Medical Officer (CMO) and reassurers.
- Building and maintaining strong relationships with colleagues, customers, and intermediaries.
- Contributing to continuous process improvement and ensuring Key Performance Indicators (KPIs) are met.
- Suggesting customer journey enhancements.
- Driving Continuing Professional Development (CPD) through self-education, training seminars, and industry events.
- Providing coaching, support, and feedback to team members, including quality checks, in a respectful manner.
- Participating in business change projects and testing.
- Investing in the development of underwriting rules and claims best practices through analysis of management information (MI).
- Representing LV= in product initiatives and service improvements.
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Rewards & Benefits
This role falls under Band B in the LV= salary structure.
Key benefits include:
- 26 days’ holiday (increasing to 28 days after two years of service) + the option to buy/sell up to five extra holiday days
- Annual bonus scheme based on company and personal performance
- Flexible benefits, including:
- Cycle to work scheme
- Personal accident insurance
- Critical illness cover
- Private medical insurance
- Dental insurance
- Competitive pension scheme: LV= Life and Pensions doubles contributions up to 14% (subject to wage requirements)
- Group Life Assurance: Cover for four times basic pay (upgradeable to eight times) to dependents
- Group Income Protection (eligible upon 5 years of pension scheme membership)
- Employee Assistance Programme (EAP) for personal support
- Virtual GP service
- Shared parental leave
- Up to 20% discount on LV= life products for you and your immediate family.
About Us
We are proud of our inclusive culture at LV= and, as an equal-opportunity employer, actively work to remove unconscious bias. We value colleagues for their contributions regardless of protected characteristics.
Flexible working options can be discussed as part of your application if applicable.
Note: This role does not offer Skilled Worker Visa Sponsorship, so applicants must be eligible to work in the UK without sponsorship.
Come, bring your true self to LV=.
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