Life Underwriting Specialist/Consultant (Toronto)

Life Underwriting Specialist/Consultant – Any Canadian Location (CA)

Target total compensation (TTC) ranges from $95,920 to $144,970, including salary and bonus, for permanent roles. Fixed‑term and casual roles receive only base salary.

Why pursue this opportunity

• Join a transforming business – a medium‑sized Canadian company in a stable industry undergoing rapid change.
• Work‑life balance – supportive work environment that enables personal and professional growth.
• Play an integral role – opportunity to develop skills while directly impacting the business unit.

What you’ll be working on

• Assess risk accurately to approval limits of $2,000,000 – $3,000,000 for individual life and $1,000,000 for critical illness policies.
• Provide sound risk decisions and support to Sales & Marketing and Retail business line teams.
• Assess mortality and financial risk for individual life insurance applications through analysis of financial and medical information.
• Support Sales team in managing distribution relationships.
• Interact with reinsurance providers to spread risks on retention amounts exceeding the Empire Life retention limit.
• Consult with Senior Underwriters, medical Directors, or the Underwriting Manager on questionable situations.
• Participate as an active team member and lead assigned projects.
• Coach junior and intermediate underwriters from a technical perspective to ensure appropriate, timely, and well‑communicated coverage decisions.

What we’re looking for you to have

• 3+ years of experience in individual underwriting.
• Experience coaching or mentoring others.
• Proficiency in word processing, spreadsheets, email, internet, and database software.
• Comprehensive knowledge of medical and financial terminology.
• Well‑developed analytical and problem‑resolution skills.
• Decisiveness and consistently good judgment.
• Structured coaching and mentoring skills.
• Strong organizational skills.
• Clear written and verbal communication.
• Ability to work within and apply decision methodologies.
• Completion of a university degree in life sciences, nursing, or kinesiology.
• FLMI with underwriting specialty (asset).
• Working toward FALU (asset).
• English language proficiency for communicating nationwide.

It would be nice for you to have

• Knowledge of individual life and health underwriting and advanced financial underwriting (asset).

Beyond the salary

• Competitive salaries with annual pay increases.
• Annual bonus program recognizing company performance and individual contributions.
• Competitive uncapped commission for sales positions.
• Employer‑funded benefits package including life insurance, disability, health and dental, and a generous health account.
• Flexible work arrangements and annual personal health days.
• Four weeks annual vacation from hire date.
• Defined contribution pension plan with generous employer matching.
• Top‑up programs for parental leave and compassionate leave.
• Employer‑sponsored wellness and recognition programmes.
• Cash employee referral program.

Equal Employment Opportunity

Empire Life is an equal‑opportunity employer. We celebrate diversity, are committed to an inclusive environment, and welcome all applicants. Applicants receive equal consideration regardless of race, colour, religion, gender, gender identity or expression, sexual orientation, national origin, disability, or age.

Disability Accommodations

Empire Life welcomes applications from people with disabilities. Accommodations are available upon request for all aspects of the screening and selection process.