Life & Annuity Specialist - Advisor - AI 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

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