Life and Critical Illness Underwriting Co-Signer

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 using digital tools, AI-enabled decision support, data-driven insights, and continuous improvement practices
  • Promote consistent application of underwriting guidelines, Manulife’s philosophy, financial and medical underwriting principles, and risk management practices
  • Help underwriters understand business impacts including 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 approaches, requirement ordering, and tool usage
  • Support performance goals related to decision accuracy, co-signing quality, underwriter development, service and cycle time, knowledge sharing, capability adoption, and business impact

Requirements:

  • Minimum 5 years of experience in life and critical illness underwriting
  • Proven track record 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
  • Demonstrated ability to mentor, coach, and develop underwriters
  • Strong analytical, judgment, and problem-solving skills
  • Ability to assess risk, challenge assumptions, and apply guidelines with sound business context
  • Excellent written and verbal communication skills
  • Ability to explain complex decisions clearly and constructively
  • Comfort with underwriting technology, digital tools, data insights, and AI-enabled decision support
  • Willingness to help others adopt new ways of working
  • Ability to model collaboration, curiosity, accountability, adaptability, and continuous improvement

Benefits:

  • Flexible work environment
  • Well-being and inclusion support
  • Health insurance
  • Dental insurance
  • Mental health benefits
  • Vision insurance
  • Short- and long-term disability insurance
  • Life and AD&D insurance coverage
  • Adoption/surrogacy benefits
  • Wellness benefits
  • Employee/family assistance plans
  • Retirement savings plans
  • Pension plan
  • Global share ownership plan with employer matching contributions
  • Financial education and counseling resources
  • Paid holidays
  • Vacation days
  • Personal days
  • Sick days
  • Statutory leaves of absence
  • Incentive programs and incentive compensation tied to business and individual performance
  • Learning and career growth opportunities
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