Senior Underwriting Consultant – High Net Worth Development Program

Company 1 - The Manufacturers Life Insurance Company; Canada; Remote; CAD 71,000 - 118,000; Full time

Job summary

Manulife/John Hancock in Canada is seeking Senior Underwriting Consultants to join our High Net Worth underwriting team. This work-from-home role requires deep underwriting experience and the ability to make complex, high-stakes decisions that protect clients' financial futures.

You'll advance through our training program, gain specialized expertise in high-net-worth accounts, and collaborate with sales and head office to deliver outstanding service in a fast-paced, compliant environment.

Qualifications

• Minimum of 5 years of underwriting experience.
• $5,000,000+ Life signing authority.
• Interest in developing specialized expertise in the high-net-worth market.
• Sales and relationship-focused mindset with a drive for earning business in a competitive market.
• Working towards, or completion of FALU, FLMI and ACS designations.
• Strong knowledge of medical terminology including physiology, anatomy, pharmacology, imaging, diagnostic testing and treatments.
• Strong knowledge in how non-medical risks impact mortality.
• Experience with financial reports and training in anti-money laundering practices.
• Excellent oral and written communication skills.

Responsibilities

• Communicate and collaborate with sales and head office colleagues to provide high-quality decisions to high-net-worth customers.
• Conduct risk assessment and classification by Manulife's philosophy and standards.
• Maintain positive relationships with internal and external partners.
• Consistently deliver excellent customer experience by making every interaction meaningful.
• Align with consumer laws and regulations regarding risk classification, confidentiality and disclosure.
• Identify and propose solutions to problems and procedures related to the underwriter's work.

Skills

Underwriting experience

Sales and relationship mindset

Excellent oral and written skills

High net worth knowledge

Education

University or college degree in medical, research or financial

Job description

Manulife’s Underwriting team is renowned for thought leadership and innovative approaches to underwriting complex files. We are seeking experienced Senior Underwriting Consultants with a growth-minded, service-oriented approach who are ready to build specialized expertise and become High Net Worth Underwriters. Through Manulife’s comprehensive training program, you will gain the knowledge, tools, and support needed to confidently transition into this specialized market and set yourself up for success. We offer industry-leading training and development opportunities within and beyond traditional underwriting roles. As a member of our exceptional team, you will receive structured learning, practical experience, and ongoing coaching while helping shape the future of insurance excellence.

Why Underwriting at Manulife

At Manulife, underwriting is where expertise, trust, and impact come together. In this role, you won’t just review files — you’ll own complex, meaningful decisions that help individuals and families secure their financial futures with confidence. You’ll work with innovative underwriting tools and technologies that support strong judgment and better customer outcomes, allowing you to focus on the higher‑value work your expertise is built for. We’re equally invested in your growth. With clear career progression, hands‑on learning alongside experienced peers, and strong support for professional development, Manulife offers an environment where underwriting careers are built for the long term — supported by flexible ways of working and a collaborative, people‑first culture. This is a work from home position, and we are open to candidates in any Canadian province.

Position Responsibilities:

• Communicate and collaborate with sales and head office colleagues to provide the highest quality and competitive decisions to our high-net-worth customers.
• Conduct risk assessment and classification by Manulife's philosophy and standards.
• Maintain positive and effective relationships with internal and external partners.
• Consistently deliver the best customer experience by making every interaction significant.
• Align with consumer laws and regulations regarding risk classification, confidentiality and disclosure.
• Identify and propose solutions to problems and procedures related to the underwriter's work.

Required Qualifications:

• Minimum of 5 years of underwriting experience.
• $5,000,000+ Life signing authority.
• Demonstrated interest in developing specialized expertise in the high-net-worth market; prior high-net-worth underwriting experience is an asset but is not required.
• Sales and relationship-focused mindset with a drive for earning business and continuing to earn business in this competitive market.
• Working towards, or completion of FALU, FLMI and ACS designations.
• Strong knowledge of medical terminology including physiology, anatomy, pharmacology, imaging, diagnostic testing and treatments.
• Strong knowledge in how non‑medical risks impact mortality, including hazardous occupations, sports, avocations and lifestyle.
• Experience with financial reports and training in anti-money laundering practices.
• Excellent oral and written communication skills.

Preferred Qualifications:

• Bilingualism (English and French) is a strong asset.
• 100,000+ CI authority.
• University or college degree in a related discipline such as medical, research or financial.
• Strong negotiation skills.
• Interest in representing the company via external presentations, panels, or conferences.
• Experience in co‑signing, referral reviews, mentoring, etc.
• If the successful candidate is in Québec, proficiency in both languages will be required to support clients from various provinces outside of Quebec.

When you join our team:

We’ll empower you to learn and grow the career you want. We’ll recognize and support you in a flexible environment where well‑being and inclusion are more than just words. As part of our global team, we’ll support you in shaping the future you want to see. The role being advertised is an existing vacancy.

About Manulife and John Hancock

Manulife Financial Corporation is a leading international financial services provider, helping people make their decisions easier and lives better. To learn more about us, visit https://www.manulife.com/en/about/our-story.html.

Manulife is an Equal Opportunity Employer

At Manulife/John Hancock, we embrace our diversity. We strive to attract, develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals. We are committed to fair recruitment, retention, advancement and compensation, and we administer all of our practices and programs without discrimination on the basis of race, ancestry, place of origin, colour, ethnic origin, citizenship, religion or religious beliefs, creed, sex (including pregnancy and pregnancy‑related conditions), sexual orientation, genetic characteristics, veteran status, gender identity, gender expression, age, marital status, family status, disability, or any other ground protected by applicable law. It is our priority to remove barriers to provide equal access to employment. A Human Resources representative will work with applicants who request a reasonable accommodation during the application process. All information shared during the accommodation request process will be stored and used in a manner that is consistent with applicable laws and Manulife/John Hancock policies. To request a reasonable accommodation in the application process, contact [e-mail].

Referenced Salary

Location Canada, Full Time Remote Working Arrangement Remote Salary range is expected to be between $70,500.00 CAD - $117,500.00 CAD Employees also have the opportunity to participate in incentive programs and earn incentive compensation tied to business and individual performance. The actual salary will vary depending on local market conditions, geography and relevant job‑related factors such as knowledge, skills, qualifications, experience, and education/training. If you are applying for this role outside of the primary location, please contact [e-mail] for the salary range for your location.

Manulife offers eligible employees a wide array of customizable benefits, including health, dental, mental health, vision, short- and long‑term disability, life and AD&D insurance coverage, adoption/surrogacy and wellness benefits, and employee/family assistance plans. We also offer eligible employees various retirement savings plans (including pension and a global share ownership plan with employer matching contributions) and financial education and counseling resources. Our generous paid time off program in Canada includes holidays, vacation, personal, and sick days, and we offer the full range of statutory leaves of absence. If you are applying for this role in the U.S., please contact [e-mail] for more information about U.S.-specific paid time off provisions. We use data and analytics technologies, such as artificial intelligence (AI), and automated processing tools, to analyze and process the information you provide to us or third parties in the application process. For more information, please refer to our personal information collection statement. We're Manulife. And we’re on a mission to make decisions easier and lives better. Better is what drives us. It’s what inspires us to find new ways to support customers and colleagues in living longer and healthier lives. It’s the reason we’re dedicated to investing in digital innovation and industry-leading AI, and accelerating a sustainable and economically inclusive future. Joining us means you’ll be empowered to learn and grow your career. We’ll recognize and support you in a flexible environment where well‑being and inclusion are more than just words. And as part of our global team, you’ll help shape the future you want to see – and discover that better can take you anywhere you want to go. We’re proud of our accomplishments and recognition. Recent awards include: 2026 Gallup Exceptional Workplace Award Winner Manulife Named one of Forbes World’s Best Employers 2025 Financial Times World’s Best Employers Asia‑Pacific 2026 We’ve been recognized as one of Canada’s Top 100 Employers 2026 #1 Life Insurer for AI Maturity by Evident 2026