Life and Critical Illness Underwriting Co-Signer

This is a fully remote position, open to applicants in Canada.

📋 Description

• Evaluate and make underwriting decisions for life and critical illness insurance applications, with approval limits reaching up to $10 million.

• Collaborate with assigned underwriters to analyze complex, high-value, or development-centered files.

• Review underwriting strategies, evidence requested, documentation, decision-making rationale, and impacts on customers/advisors.

• Provide training, coaching, and mentorship to underwriters.

• Assist in cultivating future-ready underwriting skills through digital tools, AI-driven decision support, data-informed insights, and ongoing improvement practices.

• Ensure consistent application of underwriting guidelines, Manulife’s core philosophy, financial and medical underwriting principles, and risk management strategies.

• Aid underwriters in understanding business implications, including requirement ordering, amendments, advisor communications, cycle times, customer experiences, persistency, and competitive positioning.

• Efficiently manage co-signing and underwriting tasks while upholding service standards and timely decision-making.

• Offer constructive feedback through case discussions, coaching sessions, office hours, and file assessments.

• Work collaboratively with underwriting leaders, Risk Management, Research, medical directors, and new business teams.

• Identify areas for improvement in underwriting processes, documentation, training methods, requirement ordering, and tool utilization.

• Support performance objectives related to decision accuracy, co-signing quality, underwriter development, service and cycle times, knowledge sharing, capability adoption, and business impact.

⛳️ Requirements

• Minimum of 5 years in life and critical illness underwriting experience.

• Proven experience managing complex and high-value underwriting cases.

• In-depth knowledge of life and critical illness underwriting, including medical, financial, non-medical, product, and persistency factors.

• A bachelor’s degree in finance, business, health sciences, or a related discipline is preferred.

• Professional underwriting designations or progress toward FALU, FLMI, ACS, or equivalent credentials are highly valued.

• Proven ability to mentor, coach, and develop underwriters effectively.

• Strong analytical, judgment, and problem-solving capabilities.

• Competence in risk assessment, challenging assumptions, and applying guidelines with appropriate business context.

• Excellent written and verbal communication skills.

• Ability to convey complex decisions in a clear and constructive manner.

• Familiarity with underwriting technology, digital tools, data insights, and AI-enabled decision support.

• Willingness to assist others in adopting innovative working methods.

• Ability to exemplify collaboration, curiosity, accountability, adaptability, and a commitment to continuous improvement.

🏝️ Benefits

• Flexible work environment.

• Support for well-being and inclusion.

• 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 programs.

• 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 compensation linked to business and individual performance.

• Opportunities for learning and career advancement.