Life Claims Assessor Specialist (UK Based)

Team - Claims

Working Pattern - Remote-based role with occasional travel to a Vitality office in Bournemouth, London or Stockport as required - Full time hours per week.

We are happy to discuss flexible working!

Top 3 Skills Needed for this Role

•  Medical and Claims Assessment Expertise
•  High-Level Written and Verbal Communication Skills
•  Detail Driven and Analytical

What This Role is All About

As a Claims Assessor Specialist, you will assess complex Life Cover, Terminal Illness and Critical Illness claims, reviewing medical evidence, investigating potential non-disclosure or misrepresentation, and making fair, evidence-based decisions in line with UK industry best practice. You'll work closely with underwriters, reinsurers and key stakeholders to deliver accurate claim outcomes, while also providing technical guidance and coaching to support the development of colleagues across the team.

Key Actions

•  Assess the validity of submitted claims, ensuring all decisions are made in accordance with industry‑leading UK claims practices. This includes reviewing medical and supporting evidence, obtaining further information where required, and drafting and issuing clear, accurate decision letters and related correspondence
•  Identify potential concerns such as fraud, non‑disclosure, misrepresentation, or pre‑existing conditions
•  Collaborate with strategic underwriters, management, reinsurers, and other key stakeholders to ensure fair, timely, and accurate claim outcomes
•  Provide mentoring and coaching to junior team members, which may include facilitating case study sessions, delivering training on specialist topics, and supporting their technical development
•  Assist in complaint resolution, ensuring thorough investigation and professional communication throughout the process

What You Need to Thrive

•  Experience assessing and managing Life Cover and tiered Critical Illness claims
•  Strong understanding of the UK insurance market and regulatory environment
•  Proven experience working with reinsurers
•  Ability to present ideas confidently and deliver training to peers
•  Advanced verbal and written communication skills
•  Intermediate proficiency in Microsoft Word, Excel, PowerPoint, and other common Office applications
•  CII Claims qualification

So, what’s in it for you?

• Bonus Schemes - A bonus that regularly rewards you for your performance
• A pension of up to 12%- We will match your contributions up to 6% of your salary
• Our award-winning Vitality health insurance - With its own set of rewards and benefits
• Life Assurance - Four times annual salary

These are just some of the many perks that we offer! To view the extensive range of benefits we offer, please visit our careers page. Fantastic Benefits. Exciting rewards. Great career opportunities!

If you are successful in your application and join us at Vitality, this is our promise to you, we will:

• Help you to be the healthiest you’ve ever been
• Create an environment that embraces you as you are and enables you to be your best self
• Give you flexibility on how, where and when you work
• Help you advance your career by playing you to your strengths
• Give you a voice to help our business grow and make Vitality a great place to be
• Give you the space to try, fail and learn
• Provide a healthy balance of challenge and support
• Recognise and reward you with a competitive salary and amazing benefits
• Be there for you when you need us
• Provide opportunities for you to be a force for good in society

We commit to all these things because we want you to feel that you belong, and are supported to be happy and healthy.