Job Description
Contract type: Permanent
Location: Home Address
Working style: Remote
At Royal London, we’re growing our Underwriting community — and we’re looking for Medical Underwriters at all levels who want more than “just a job.” Whether you're early in your underwriting career, highly experienced, or looking to pivot direction, this is a place where you can truly grow, progress and belong. As the UK’s largest mutual life, pensions and investment company, our purpose is simple: to help people protect today and invest in tomorrow. As part of our underwriting team, you’ll play a key role in delivering fair outcomes, supporting customer needs, and helping us shape the future of protection underwriting.
A Culture You’ll Want to Be Part Of
We’re proud of our warm, collaborative culture and our Spirit of Royal London values: Empowered, Trustworthy, Collaborate, Achieve — the foundation of how we work together every day. You’ll join supportive managers, engaged peers, and a community that genuinely helps each other succeed.
Clear Progression. Real Opportunities.
Underwriting at Royal London isn’t a static career path — it’s a journey. You’ll benefit from:
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About the role
Depending on your level of experience, you will:
- Assess, analyse and make decisions on protection applications.
- Apply sound judgement, working within agreed frameworks.
- Support continuous improvement, shaping how we evolve our underwriting practices.
- Work closely with colleagues across Operations, Proposition, Distribution and Compliance to deliver great customer experiences.
- Contribute to the development of tools, processes and best practices that future-proof our function.
About you
We welcome applications from Underwriters at all levels — from those growing their skills to seasoned specialists. You may have experience in:
- Protection underwriting (life, critical illness, income protection).
- Using underwriting manuals, systems and tools.
- Managing risk and delivering strong customer outcomes.
- Working in a customer-focused or compliance-led environment.
If you don't meet every requirement, we’d still love to hear from you — we value potential, curiosity and willingness to grow.
About Royal London
We’re the UK’s largest mutual life, pensions and investment company, offering protection, long-term savings and asset management products and services.
Our People Promise to our colleagues is that we will all work somewhere inclusive, responsible, enjoyable and fulfilling. This is underpinned by our Spirit of Royal London values; Empowered, Trustworthy, Collaborate, Achieve.
We've always been proud to reward employees by offering great workplace benefits such as 28 days annual leave in addition to bank holidays, an up to 14% employer matching pension scheme and private medical insurance.
Inclusion, diversity and belonging
We’re an inclusive employer. We celebrate and value different backgrounds and cultures across Royal London. Our diverse people and perspectives give us a range of skills which are recognised and respected – whatever their background.
We’re the UK’s largest mutual life, pensions and investment company, offering protection, long-term savings and asset management products and services.
Royal London is a purpose-driven mutual. Our Purpose, ‘Protecting today, investing in tomorrow. Together we are mutually responsible’, defines the impact we want to have. It shapes what we do on behalf of our members and customers, financial advisers, our colleagues and the communities in which we operate. Our People Promise is our collective commitment that our workplace will be inclusive, responsible, enjoyable and fulfilling where all colleagues can thrive and experience a sense of belonging. This is underpinned by our Spirit of Royal London values; Empowered, Trustworthy, Collaborate, Achieve.
Our inclusive values and people promise are core to who we are and how we work. It’s good for our people, and good for our customers too, because with an inclusive workplace and a diverse workforce we will reflect our members, customers and communities to deliver the best outcomes.
We celebrate and value different backgrounds and cultures across our organisation. Our diverse people and perspectives give us a range of skills which are recognised and respected– whatever their background.
Workplace Initiatives
Program for parents returning to work after Parental Leave? |
No |
Leadership development programmes? |
Yes |
Mentoring programmes? |
Yes |
Coaching programmes? |
Yes |
Employee-led diversity networks? |
Yes |
Internal women’s networking groups? |
Yes |
Open to discussing flexible work arrangements at interview stage? |
Yes |
No. of weeks paid maternity leave at full salary: |
26 weeks (followed by 13 weeks half pay) |
Minimum weeks tenure required to be eligible for paid maternity leave: |
Open to all regardless of length of service |
No. of weeks paid paternity leave at full salary: |
4 weeks |
Minimum tenure required to be eligible for paid paternity leave: |
Open to all regardless of length of service |
Gender pay gap reporting information 2022: |
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Mean pay gap: |
35.3% |
Median pay gap: |
33.9% |
Mean bonus gap: |
70.4% |
Median bonus gap: |
48.5% |
Signatory of the UK Women in Finance Charter? |
Yes |
Targets to raise the number of women in leadership? |
Yes |
Targets to raise the number of BAME individuals in leadership? |
No |
Listed in the Bloomberg Diversity & Inclusion Index? |
No |
Graduate Programmes
We have a number of graduate programmes designed to deliver technical experts and future leaders.
Royal London Career Confidence programme
Our hybrid programme focuses on equipping you to feel empowered in your career and supported to explore new opportunities as they arise.
Apprenticeships
We offer a wide range of Apprenticeships that are targeted at both new joiners and existing colleagues.
Inclusion
We promote an inclusive culture at Royal London and have a range of inclusion networks for our colleagues to get involved with.
Our Women's Network is a community that celebrates and supports its members, helps everyone to learn more and inspires all of us to aim higher. Confidence and development are strong themes here and our events focus on three key areas of team working, finance, and wellbeing. There are two sub-groups to the Women’s Network – Women in Technology and our Periods and Menopause Group – focused on actions such as supporting over 20 new Periods and Menopause champions and launching guidance and training for leaders.