Life & Annuity AI Advisor & Model Trainer

Mercor; Charlotte (NC); On-site; USD 120,000 - 190,000; Part time

Job summary

Mercor, partnering with a leading AI lab, seeks Life & Annuity Specialists to design advisory and underwriting scenarios, evaluate model outputs, and help shape AI reasoning on mortality risk and policy service. You will review and craft realistic illustrations, coverage recommendations, and suitability rationales for life and annuity products.

You will grade AI responses against structured rubrics, identify misstatements or unsuitable recommendations, and provide feedback to improve model

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 such as term, whole life, universal life, indexed universal life, variable life, or fixed/indexed/variable annuities.
• Understand policy mechanics (COI, crediting, caps, riders) and long‑term outcomes.
• Ability to explain tax treatment and suitability considerations clearly; identify when licensed review is needed.
• Demonstrates excellent written communication, quantitative care, and high attention to detail.
• Distinguishes product/suitability judgment from investment, tax, or legal advice.

Responsibilities

• Design realistic scenarios involving 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 policy-service determinations.
• Write reference responses at experienced life and annuity practitioner quality.
• Grade AI-generated responses against rubrics for product accuracy, suitability, math, and disclosure adequacy.
• Identify unsupported illustration assumptions and inappropriate recommendations; ensure proper replacement and disclosure.
• Provide written feedback to help improve model behavior.
• Participate in onboarding office hours and calibration sessions.

Skills

Life insurance

Annuity advisory

Underwriting

Policy administration

Suitability review

Written communication

Attention to detail

Education

CLU/ChFC/FLMI/CFP designation

Job description

Mercor, partnering with a leading AI lab, seeks Life & Annuity Specialists to design advisory and underwriting scenarios, evaluate model outputs, and help shape AI reasoning on mortality risk and policy service. You will review and craft realistic illustrations, coverage recommendations, and suitability rationales for life and annuity products.

You will grade AI responses against structured rubrics, identify misstatements or unsuitable recommendations, and provide feedback to improve model