Underwriter I

Bilingual Senior Life Underwriter
Empire life is looking to hire a Senior Underwriter to join our Retail Operations team

Empire Life is looking to fill several Underwriting roles on the retail underwriting team. We are looking for team members who have strong leadership, technical and medical knowledge and skills. The Bilingual Senior Life Underwriter maintains Company profitability through favourable mortality by reviewing and assessing the financial risk of individual life insurance applications. The incumbent is guided by defined goals and objectives and works under the general supervision of the Manager, Underwriting.

# 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.


Assesses risk accurately to an approval limit of $2,000,000 - $3,000,000 for individual life and $1,000,000 for critical illness policies
Provides sound risk decisions and related support to the Sales & Marketing and Retail business line teams
Assesses the mortality and financial risk for individual life insurance applications through an analysis of financial and medical information
Interacts with reinsurance providers to spread risks on retention amounts that exceed the Empire Life retention limit
Consults with Senior Underwriters, medical Directors, or the Underwriting Manager, on any questionable situations
Participates as an active team member and leads assigned projects
Coaches junior and intermediate underwriters from a technical lens to ensure that individual coverage decisions are appropriate, made in a timely manner, and communicated to the appropriate team members

Bilingualism (English/French) is required.
~4+ years work experience in individual underwriting, three of which has been at an intermediate level
~ Experience coaching/mentoring others
~ Knowledge of word processing, spreadsheet, email, internet and database computer software
~ Comprehensive knowledge of medical and financial terminology
~ Well-developed coaching and mentoring skills
~ Clear writing and verbal communication skills
~ FLMI with underwriting specialty considered an asset
~ Working towards FALU considered an asset
~ 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.


Knowledge of individual life and health underwriting and advanced financial underwriting are assets


For regular full-time positions, Empire Life offers a comprehensive total rewards package that includes:
Competitive salaries with annual pay increases
Annual bonus program, which recognizes both strong company performance and individual contributions
A comprehensive employer-funded benefits package that includes life insurance, disability, 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
We celebrate diversity, are committed to creating an inclusive environment, and welcome everyone to participate in our application process. 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 welcomes applications from people with disabilities and disabled people. Accommodations are available upon request for candidates taking part in all aspects of the screening and selection process.