Life & Annuity AI Underwriter — Part-Time

Obsidian; Greater London; Remote; GBP 40,000 - 64,000; Part time

Job summary

Mercor is collaborating with a leading AI lab to design realistic life and annuity advisory, underwriting and policy-service scenarios. You will evaluate model outputs against industry standards and help shape how AI reasons about mortality risk, policy mechanics and suitability.

We welcome producers, underwriters, new-business and policy-service professionals across carriers, agencies and independent practices to apply. Role starts immediately with rolling reviews for applications.

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 or indexed universal life, variable life, or fixed, indexed and variable annuities)
• Understand how policy mechanics (cost of insurance, crediting, caps and participation rates, surrender charges, riders and guarantees) drive long-term outcomes
• Can explain tax treatment and suitability considerations clearly, and recognize when licensed or legal review is required
• Demonstrate excellent written communication, quantitative care and high attention to detail
• Can distinguish product and suitability judgment from investment advice and formal tax or legal advice

Responsibilities

• Design realistic scenarios involving needs analysis, product selection, illustrations, medical and financial underwriting, table ratings, replacements and 1035 exchanges, policy loans, surrenders, lapse and reinstatement
• Create work products such as coverage recommendations, illustration comparisons, underwriting assessments, suitability rationales, replacement analyses and policy-service determinations
• Write "golden" reference responses at experienced life and annuity practitioner quality
• Grade AI-generated responses against structured rubrics for product accuracy, suitability, mathematical correctness and disclosure adequacy
• Identify unsupported illustration assumptions, unsuitable recommendations, confusion between product types or tax treatments, and failures to apply replacement or disclosure requirements
• Provide written feedback the research team uses to improve model behavior
• Participate in onboarding office hours and calibration sessions

Job description

Mercor is collaborating with a leading AI lab to design realistic life and annuity advisory, underwriting and policy-service scenarios. You will evaluate model outputs against industry standards and help shape how AI reasons about mortality risk, policy mechanics and suitability.

We welcome producers, underwriters, new-business and policy-service professionals across carriers, agencies and independent practices to apply. Role starts immediately with rolling reviews for applications.