Associate Underwriting Consultant

Equitable; Southwestern Ontario; Remote; CAD 90,000 - 120,000; Full time

Benefits offered by this job

Incentive pay

Salary reviews

Benefits and pension matching

Volunteer day

Dress for your day

Flexible work-life balance

Job summary

Equitable is hiring an Associate Underwriting Consultant to join the Individual Underwriting team in Ontario. The role focuses on assessing mortality and financial risk for life insurance applications, mentoring underwriters, and collaborating with reinsurers to optimize risk distribution.

You will be part of a collaborative, purpose-driven culture with growth opportunities. The position offers a hybrid/remote work setup with potential in-person needs at Waterloo, ON offices and occasional

Qualifications

• Strong analytical and problem-solving skills with medical knowledge.
• Excellent written and verbal communication; ability to share expertise in a collaborative team.
• Proactive, service-oriented and results-focused approach.
• Ability to deliver accurate and timely underwriting decisions.

Responsibilities

• Assess mortality and financial risk for individual life insurance applications.
• Collaborate with reinsurance partners to distribute risk for cases exceeding retention limits.
• Coach and mentor junior/senior underwriters to ensure well-reasoned decisions and clear communication.

Skills

Analytical skills

Problem-solving

Communication skills

Underwriting knowledge

Mentoring

Negotiation

Professional development

Education

FLMI or FALU designation

Job description

The Opportunity:

At Equitable, we believe great things happen when we work together. We’re a Canadian mutual company driven by purpose - putting people first and helping Canadians protect today and prepare for tomorrow. If you’re passionate about making a difference and growing your career in an inclusive and collaborative environment, we’d love to hear from you. Our culture is built on care, passion and curiosity. We put people above all else, strive to be our best and welcome new ideas to deliver positive outcomes.

If you're looking for purpose-driven work in a collaborative and inclusive environment where your voice is heard, and your growth is encouraged we’d love to connect! We are looking for an Associate Underwriting Consultant to join our Individual Underwriting team! This position is critical to Equitable’s success.

Join one of the region’s top employers and be part of something that truly makes a difference.

Work Arrangements:

You will work from your home office 100% of the time. You may be required to be in-person at our office in Waterloo, ON or another assigned location within the Waterloo Region, on an as needed basis. Sales related roles may be required to travel based on the assignment.

What you’ll do:

• Assess mortality and financial risk for individual life insurance applications through detailed analysis of medical, lifestyle, and financial information
• Collaborate with reinsurance partners to appropriately distribute risk for cases exceeding retention limits
• Coach and mentor junior, intermediate and/or senior underwriters from a technical perspective to ensure underwriting decisions are well-reasoned, timely, and effectively communicated to stakeholders
• Demonstrate strong negotiation skills when working with reinsurers, advisors, and internal partners to achieve optimal underwriting outcomes
• Actively contribute as a team member and lead assigned projects, supporting continuous improvement and operational excellence

What you’ll bring:

• Strong analytical and problem-solving skills supported by sound medical knowledge
• Excellent written and verbal communication skills, along with strong product knowledge and the ability to effectively share expertise with others in a collaborative team environment
• A proactive, service-oriented, and results-focused approach
• Ability to deliver accurate and timely underwriting decisions, ensuring prompt responses to agents and brokers
• Strong underwriting customer service skills, recognizing that inaccurate or unclear communication can cause policy issuance delays and negatively impact agent confidence and business relationships
• Experience consulting with the Medical Director and reinsurers on complex or unusual medical risks, ensuring the company’s risk exposure remains appropriate
• Commitment to professional development—both self‑development and the development of peers—through seminars, conferences, industry publications, and formal education
• FLMI or FALU designation, or active progress toward one of these designations
• Consistent accountability for quality and volume of work, demonstrated through positive audit results
• Completion of a minimum of 25 hours per year of continuing education to stay current with medical knowledge and industry underwriting trends

What’s in it for you:

• Career Growth: Regular learning sessions and developmentopportunities
• Total Rewards: Incentive pay, annual salary reviews, employer-paid benefits and pensionmatching
• Time Away: Competitive vacation plus one paid volunteer day each year
• Flexibility: Healthy work-life balance with employee wellness always top of mind, complemented by a "dress for your day" approach

At Equitable, we’re committed to fair pay and an inclusive, accessible hiring experience. If you need accommodations or alternative formats at any stage, just reach out to us at [e-mail] We’re happy to help.

Your base pay will be based on your skills, qualifications, experience and education. In addition to your salary, this role is eligible for a discretionary annual incentive award tied to business performance, plus a wide range of competitive benefits.

If you’re selected to move forward, our Talent Acquisition team will walk you through all the details of our total rewards program, so you know exactly what’s included.

Reports To:

Director, Individual Underwriting Operations

Department:

Individual Insurance

Term:

Permanent Full-Time