Life and Critical Illness Underwriter

Job Description:

  • Evaluate and make underwriting decisions on life and critical illness insurance applications with approval limits up to $10 million
  • Partner with assigned underwriters to review complex, high-value, or development-focused files
  • Assess underwriting approach, evidence ordered, documentation, decision rationale, and customer/advisor impact
  • Train, coach, and mentor underwriters
  • Support development of future-ready underwriting skills, including digital tools, AI-enabled decision support, data-driven insights, and continuous improvement practices
  • Promote consistent application of underwriting guidelines, philosophy, financial and medical underwriting principles, and risk management practices
  • Help underwriters understand business impact, requirement ordering, amendments, advisor communication, cycle time, customer experience, persistency, and competitive positioning
  • Manage co-signing and underwriting work efficiently while supporting service standards and timely decision-making
  • Provide feedback through case discussions, coaching sessions, office hours, and file reviews
  • Collaborate with underwriting leaders, Risk Management, Research, medical directors, and new business
  • Identify opportunities to improve underwriting processes, documentation, training, requirement ordering, and tool usage

Requirements:

  • Minimum of 5 years of experience in life and critical illness underwriting
  • Proven track record of handling complex and high-value cases
  • Strong knowledge of life and critical illness underwriting, including medical, financial, non-medical, product, and persistency considerations
  • Bachelor’s degree in finance, business, health sciences, or a related field is preferred
  • Professional underwriting designations or progress toward FALU, FLMI, ACS, or equivalent are highly desirable
  • Ability to mentor, coach, and develop underwriters
  • Strong analytical, judgment, and problem-solving skills
  • Excellent written and verbal communication skills
  • Comfort with underwriting technology, digital tools, data insights, and AI-enabled decision support
  • Ability to model collaboration, curiosity, accountability, adaptability, and continuous improvement

Benefits:

  • Flexible work environment
  • Health insurance
  • Dental insurance
  • Mental health benefits
  • Vision insurance
  • Short- and long-term disability coverage
  • Life and AD&D insurance coverage
  • Adoption/surrogacy benefits
  • Wellness benefits
  • Employee/family assistance plans
  • Retirement savings plans
  • Pension
  • Global share ownership plan with employer matching contributions
  • Financial education and counseling resources
  • Paid holidays, vacation, personal, and sick days
  • Statutory leaves of absence
  • Reasonable accommodation during the application process
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