Senior Underwriting Consultant, High Net Worth

In this role, you will evaluate complex high-net-worth insurance applications while ensuring sound risk assessment, strong partner collaboration, and exceptional customer experience.

• Assess and classify complex life insurance risks in accordance with established underwriting philosophy, standards, and regulatory requirements
• Review high-net-worth applications and deliver competitive, well-structured underwriting decisions with significant financial authority
• Collaborate closely with sales, distribution, and head office teams to support business growth and maintain strong stakeholder relationships
• Ensure accurate interpretation of medical, financial, and lifestyle information to evaluate mortality and risk exposure
• Maintain compliance with legal, regulatory, and confidentiality standards, including anti-money laundering and disclosure requirements
• Identify process improvements and propose solutions to enhance underwriting efficiency and decision quality
• Participate in case discussions, referrals, and co-signing processes while supporting mentorship of less experienced underwriters
• Contribute to delivering a consistently high-quality customer and advisor experience across all interactions

Requirements:

The ideal candidate is an experienced underwriting professional with strong technical depth, sound judgment, and the ability to operate confidently in a high-value, client-facing environment.

• Minimum 5 years of underwriting experience, including exposure to high-net-worth markets
• Significant life underwriting authority (e.g., $5M+ signing authority preferred)
• Strong knowledge of medical underwriting concepts, including anatomy, physiology, pharmacology, diagnostics, and treatments
• Understanding of non-medical risk factors such as occupation, lifestyle, and avocations
• Experience interpreting financial documentation and exposure to anti-money laundering principles
• Strong relationship management and sales-oriented mindset with the ability to support business growth
• Excellent communication skills, both written and verbal, with confidence engaging senior stakeholders
• Strong analytical, negotiation, and decision-making abilities in complex cases
• Working toward or completion of professional designations such as FALU, FLMI, or ACS (preferred)
• Ability to work independently in a remote environment while collaborating effectively across teams
• Bilingualism (English/French) is an asset, depending on location

Benefits:

• Competitive base salary with performance-based incentive opportunities
• Comprehensive health, dental, vision, and mental health coverage
• Life, disability, and accidental death insurance coverage
• Retirement savings plans with employer contributions
• Generous paid time off including vacation, personal days, sick leave, and statutory holidays
• Flexible remote work arrangement across Canada
• Professional development support, training, and career growth opportunities
• Inclusive and collaborative work culture with strong focus on well-being
• Access to wellness programs, employee assistance, and financial education resources.