Life & Annuity Specialist

Mercor; United States; Remote; USD 83,000 - 166,000; Full time

Job summary

Mercor is partnering with a leading AI lab to develop realistic life and annuity advisory scenarios. You will design underwriting and policy-service contexts, evaluate model outputs, and craft high-quality reference responses for experienced practitioners.

The role targets professionals with 2+ years in life insurance or annuity roles, familiar with product families and tax/suitability considerations. This is a remote-friendly, rolling-review position with onboarding support.

Qualifications

• 2+ years of professional experience in life insurance or annuity advisory, underwriting, or policy service
• Experience with at least one product family (term, whole life, universal life, annuities)
• Ability to explain tax treatment and suitability considerations clearly, and to recognize when licensed review is needed

Responsibilities

• Design realistic life & annuity scenarios including underwriting and policy-service elements
• Create work products such as recommendations, illustrations, and suitability analyses
• Write high-quality reference responses for expert-level life/annuity practice
• Grade AI-generated responses against rubrics for accuracy and disclosure
• Identify unsupported assumptions or inappropriate product choices and note disclosure gaps
• Provide feedback to help improve model behavior
• Participate in onboarding hours and calibration sessions

Skills

Life insurance knowledge

Annuity advisory

Underwriting

Policy administration

Suitability review

Education

CLU

ChFC

CFP

Job description

Compensation: all experts are paid a flat $800 upon successful completion of the onboarding process, which we estimate takes approximately 10 hours. After successfully completing onboarding, you will be converted to $80/hour.

About the Role

Mercor is partnering with a leading AI lab to train frontier models on high-quality insurance reasoning data. We're hiring Life & Annuity Specialists to design realistic advisory, underwriting and policy-service scenarios, evaluate model outputs against established industry standards, and help shape how the next generation of AI reasons about mortality risk, long-horizon guarantees and suitability.

We welcome life and annuity producers, advisors, life underwriters, new-business and policy-service professionals, product specialists, and suitability or replacement reviewers from carriers, brokerage general agencies, IMOs, and independent practices.

What You'll Do

• 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

You're a Good Fit If You

• Have 2+ years of professional experience in life insurance or annuity advisory, underwriting, new business, policy administration, product, or suitability review

• Have worked with at least one product family, such as 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

Bonus Qualifications

• CLU, ChFC, FLMI, CFP, or comparable designation

• Active or previously held life and health producer license, or securities registration

• Medical or financial life underwriting experience, including APS review, lab interpretation or reinsurance referral

• Experience with buy-sell, key-person, estate-planning, premium-finance or executive-benefit cases

• Experience with suitability, Reg BI, or state replacement and disclosure review

Role Highlights

• Minimum 20 hours per week (ideally 40+)

• Role starts immediately, applications reviewed on a rolling basis