Job Description

Accountabilities:

• Assess and classify complex life insurance risks in accordance with established underwriting philosophies, standards, and risk management practices.
• Provide high-quality, competitive underwriting decisions for high-net-worth customers while balancing customer needs, business objectives, and risk considerations.
• Collaborate closely with sales teams and head office colleagues to support new business opportunities and deliver effective underwriting solutions.
• Build and maintain strong, productive relationships with internal and external partners.
• Deliver a consistently high-quality customer experience by making interactions clear, responsive, and meaningful.
• Ensure underwriting decisions comply with applicable consumer protection laws and regulations, particularly those relating to risk classification, confidentiality, and disclosure.
• Analyze and resolve complex underwriting issues and recommend improvements to processes, procedures, and working practices.
• Contribute to a growth-oriented, service-focused underwriting culture that supports both business development and long-term client relationships.
• Participate in co-signing, referral reviews, mentoring, and knowledge-sharing activities as appropriate.
• Support external presentations, panels, conferences, and other opportunities to represent underwriting expertise and industry knowledge.

Requirements

• Minimum of 5 years of professional underwriting experience, with substantial experience handling complex life insurance risks.
• Proven experience in the high-net-worth insurance market.
• Life insurance signing authority of CAD $5 million or more
• Strong sales and relationship-oriented mindset, with the ability to support business acquisition and continued growth in a competitive market.
• Working toward or completion of professional designations such as FALU, FLMI, or ACS
• Strong knowledge of medical terminology and concepts, including physiology, anatomy, pharmacology, diagnostic imaging, testing, and treatments.
• Strong understanding of non-medical factors affecting mortality, including hazardous occupations, sports, avocations, and lifestyle risks.
• Experience interpreting financial reports and familiarity with anti-money laundering practices.
• Excellent written and verbal communication skills.
• Strong analytical, negotiation, decision-making, and problem-solving abilities.
• Ability to work independently in a remote environment while collaborating effectively with sales, underwriting, and other business partners.

Preferred qualifications:

• Bilingual English/French capability is a strong asset; candidates based in Québec will be required to communicate in both languages to support clients across Canadian provinces.
• CAD $100,000+ underwriting authority
• University or college degree in a relevant discipline such as medical sciences, research, finance, or a related field.
• Strong negotiation skills and commercial acumen.
• Interest and experience in representing underwriting expertise through external presentations, panels, conferences, or industry events.
• Experience with co-signing, referral reviews, mentoring, or similar technical leadership responsibilities.

Benefits

• Fully remote work arrangement available across Canada.
• Base salary range of approximately CAD $85,300–$135,300 per year for the referenced location, with actual compensation determined by location, experience, qualifications, education, and other job-related factors.
• Eligibility to participate in incentive programs with compensation linked to individual and business performance.
• Comprehensive health and dental benefits.
• Mental health and wellness support.
• Vision coverage.
• Short- and long-term disability coverage.
• Life and accidental death and dismemberment (AD&D) insurance.
• Adoption, surrogacy, and family-focused benefits.
• Employee and family assistance programs.
• Retirement savings options, including pension and global share ownership programs with employer matching contributions.
• Financial education and counselling resources.
• Paid holidays, vacation, personal, and sick days.
• Statutory leaves of absence.
• Flexible work environment focused on employee well-being, inclusion, and professional growth.
• Opportunities for ongoing learning, career development, mentoring, and broader professional growth.