Senior Life Underwriting Consultant — Hybrid

Sun Life Financial; Canada; Hybrid; CAD 90,000 - 120,000; Full time

Benefits offered by this job

Hybrid work model

Flexible Benefits

Stock ownership program

Pension plan

Annual bonus

Paid vacation and care days

Sabbatical program

Job summary

Sun Life Financial is seeking an experienced Underwriting Consultant to join our Canadian Life Insurance team in a hybrid setup. You’ll analyze medical and financial data, assess risk, and determine eligibility for Life and Critical Illness products.

You’ll collaborate with advisors, reinsurers, and internal partners to ensure accurate decisions and client-focused service. Qualified candidates hold an ALU certificate, with a goal toward FALU/FLMI, and bring 7+ years in life underwriting.

Qualifications

• Minimum 7 years of experience as an Individual Life Underwriter.
• Existing life and critical illness signing authorities.
• Bilingualism (French and English) required for Quebec interactions.

Responsibilities

• Analyze medical, personal, and financial information to assess eligibility for Life and Critical Illness insurance.
• Assess and classify risk using underwriting guidelines and professional judgement; gather additional information as needed.
• Make timely, well-reasoned decisions within authority limits and refer cases for co-sign when required.
• Partner with reinsurers to negotiate outcomes on complex cases.
• Engage internal partners and advisors to deliver a client-centric experience grounded in expertise and trust.
• Communicate decisions clearly to advisors and physicians as required, preserving confidentiality.
• Document decisions with supporting rationale and maintain concise notes.
• Drive continuous improvement to underwriting quality, efficiency, and outcomes.

Skills

Individual Life Underwriting

Analytical thinking

Negotiation

Decision-making

Communication with advisors

Bilingual (French & English)

Education

ALU certificate

FALU designation desired

FLMI designation desired

Job description

Sun Life Financial is seeking an experienced Underwriting Consultant to join our Canadian Life Insurance team in a hybrid setup. You’ll analyze medical and financial data, assess risk, and determine eligibility for Life and Critical Illness products.

You’ll collaborate with advisors, reinsurers, and internal partners to ensure accurate decisions and client-focused service. Qualified candidates hold an ALU certificate, with a goal toward FALU/FLMI, and bring 7+ years in life underwriting.