Life & Annuity AI Reasoning Specialist

Mercor; Toronto; On-site; CAD 110,000 - 165,000; Full time

Job summary

Mercor, in collaboration with a leading AI lab, seeks Life & Annuity Specialists to craft realistic advisory, underwriting and policy-service scenarios and assess AI outputs against industry standards. You will help shape how AI reasons about mortality risk, long-horizon guarantees, and suitability.

You will also develop coverage recommendations, illustration comparisons, underwriting assessments, and replacement analyses, while writing golden reference responses and providing feedback to

Qualifications

• 2+ years of professional experience in life insurance or annuity advisory, underwriting, new business, policy administration, product, or suitability review
• Experience with at least one product family (term, whole life, universal life, indexed universal life, variable life, annuities)
• Understanding of policy mechanics (COI, crediting, caps, riders, surrender charges) and their impact on outcomes
• Ability to explain tax treatment and suitability considerations clearly, recognizing when licensed or legal review is required
• Strong written communication, numerical accuracy and attention to detail
• Ability to distinguish product/suitability judgments from investment, tax or legal advice

Responsibilities

• Design realistic scenarios including needs analysis, product selection, illustrations, underwriting, table ratings, replacements, and 1035 exchanges
• Create work products such as coverage recommendations, illustration comparisons, underwriting assessments, suitability rationales and replacement analyses
• Write high-quality reference responses for life and annuity practitioners
• Grade AI-generated responses against rubrics for product accuracy, suitability, math correctness and disclosure
• Identify unsupported illustration assumptions and inappropriate recommendations, and ensure proper replacement and disclosure
• Provide written feedback to help improve model behavior
• Participate in onboarding hours and calibration sessions

Skills

Life insurance experience

Underwriting

Policy administration

Suitability review

Attention to detail

Written communication

Job description

Mercor, in collaboration with a leading AI lab, seeks Life & Annuity Specialists to craft realistic advisory, underwriting and policy-service scenarios and assess AI outputs against industry standards. You will help shape how AI reasons about mortality risk, long-horizon guarantees, and suitability.

You will also develop coverage recommendations, illustration comparisons, underwriting assessments, and replacement analyses, while writing golden reference responses and providing feedback to