Intermediate Life Underwriter

INTERMEDIATE LIFE INSURANCE UNDERWRITER Location: Remote The total target compensation (TTC) range, including salary and target bonus, is $63,600 - $98,580. This TTC range is applicable to permanent roles only. The actual base salary offered within this range will be determined by the successful candidate’s skills and experience, as well as internal equity. Empire Life is looking to hire an Intermediate Underwriter to join our Retail Underwriting team! We are actively seeking candidates to fill a current, open position. Why pursue this opportunity Join a transforming business - we are a medium-sized Canadian company in a stable industry that emphasizes the importance of innovation to use industry-leading technology. The environment - we understand the importance of work-life balance and strive to provide a supportive work environment that allows our employees to achieve both personal and professional goals. Play an integral role - this is an opportunity that allows for you to grow your skills, while directly contributing to the business unit you are a part of. What you’ll be working on * Assesses risk in a timely manner to an approval limit of $1,500,000 for individual life and $500,000 for critical illness policies * Develops and maintains strong relationships with potential and current clients * Provides sound risk decisions and related support to the Sales & Marketing and Retail business line teams * Assess the mortality and financial risk for individual life insurance products through an analysis of financial and medical information via paper-based, electronic and telephone underwriting * Provide support to the Sales team in the management of the distribution relationship * Interact with reinsurance providers to spread risk on retention amounts that exceed the Empire Life retention limit * Consult with Senior team members, Medical Directors, or Technical Lead and Senior Management on any questionable situations * Participate as an active team member for assigned projects * Review the work of junior team members and provide coaching as required WHAT WE’RE LOOKING FOR YOU TO HAVE * 2+ years work experience as an individual life underwriter * Knowledge of word processing, spreadsheet, email, internet and database computer software * Well-developed knowledge of medical terminology * FLMI / FALU designation or currently working towards * Completion of a university degree in life sciences, nursing or kinesiology * Well-developed analytical and problem resolution skills * Ability to be decisive and show consistently good judgment * Well-developed organizational skills * Clear writing and verbal communication skills * Ability to develop and maintain working relationships * Attention to detail/accuracy * If you are applying for a position which is open to applicants across Canada, unless otherwise indicated in the position, language proficiency in English is required for communicating with customers, advisors, or employees across Canada. * Our hiring process includes AI screening for keywords and minimum qualifications. Recruiters review all results. BEYOND THE SALARY For permanent full-time positions, Empire Life offers a comprehensive total rewards package that includes: * Hybrid work model * Competitive salaries with annual pay increases * Annual bonus program, which recognizes both strong company performance and individual contributions, for non sales positions * Access to learning & development programs, and education/tuition reimbursement (role dependent), to support your professional growth and career advancement. * Competitive uncapped commission, for sales positions * A comprehensive employer-funded benefits package starting from day one of employment, that includes life insurance, health and dental and a generous health account * Flexible work arrangements and an annual allotment of personal health days. * Four weeks annual vacation from hire date * A defined contribution pension plan with generous employer matching * Top up programs for parental leave and compassionate leave * Employer-sponsored wellness and recognition programs * A cash employee referral program To learn more about working at Empire Life, visit https://www.empire.ca/workatempire [https://www.empire.ca/workatempire]. GET TO KNOW US Empire life is proud to be an equal opportunity employer. We celebrate diversity, are committed to creating an inclusive environment, and welcome everyone to participate in our application process. We encourage those of all backgrounds and experiences to apply, even if you don't believe you meet each unique qualification outlined. Applicants will receive equal consideration without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, disability, or age. Empire Life is proud to be an equal opportunity employer, dedicated to building an inclusive and barrier-free workplace. We welcome applications from people with disabilities and are committed to providing accommodations at any stage of the recruitment process. If you require a specific adjustment to help you present your best self, please let us know—we are happy to work with you. If you need this job posting in an alternative format or have any accessibility questions, please contact recruitment@empire.ca [recruitment@empire.ca].

The underwriter assesses mortality and financial risk for individual life and critical illness insurance policies up to specified limits. They also maintain client relationships, collaborate with internal teams, and provide guidance to junior staff.

Candidates must have at least 2 years of experience in individual life underwriting and a university degree in life sciences, nursing, or kinesiology. Proficiency in medical terminology and relevant professional designations like FLMI or FALU are highly preferred.

• Hybrid work model • Annual bonus program • Learning and development programs • Tuition reimbursement • Employer-funded benefits package • Life insurance • Health insurance • Dental insurance • Personal health days • Four weeks annual vacation • Defined contribution pension plan • Parental leave top up • Compassionate leave top up • Wellness programs • Employee referral program

• Financial analysisPreferred

Identified from the job description. Confirm important requirements above.

• Life underwriting
• Risk assessment
• Medical terminology
• Financial analysis
• Analytical skills
• Problem resolution
• Communication skills
• Organizational skills
• Database software
• Spreadsheet software
• Word processing
• Judgment
• Coaching
• Relationship management
• Decisiveness
• Organizational Skills
• Individual Life Insurance
• Compassion
• Artificial Intelligence
• Underwriting
• Management
• Spreadsheets
• Communication
• Word Processing
• English Language
• Sales
• Financial Risk
• Fellow Of Life Management Institute
• Marketing
• Innovation
• Problem Solving
• Kinesiology
• Life Sciences
• Medical Terminology
• Personal Health Records
• Referral Marketing
• Reinsurance
• Verbal Communication Skills
• Writing
• Detail Oriented

• Finance & Accounting
• Retail
• Life Underwriter
• Insurance Representatives
• Insurance Underwriters

Minimum education

Bachelor’s degree

Minimum experience

2+ years

Posting language

English

Working hours

40 hours per week