Critical Illness Underwriting Co-Signer

The Life and Critical Illness Underwriting Co-Signer is a critical role within Manulife’s underwriting organization, responsible for delivering high-quality, competitive underwriting decisions while actively developing the next generation of underwriting talent. This role supports Manulife’s underwriting philosophy by partnering with underwriters on complex and high-value files, strengthening decision quality, and ensuring sound risk management practices are consistently  addition to co-signing decisions, the Underwriting Co-Signer plays an important role in training, coaching, and shaping future-ready underwriting capabilities.

The individual will help underwriters build confidence, critical thinking, judgment, and business awareness in an environment where digital tools, AI-enabled insights, and evolving customer expectations are changing how underwriting work is performed. Through active mentorship, file review, feedback, and collaboration, this role helps create a stronger underwriting pipeline and supports the future of underwriting  Responsibilities Underwriting Decisions:
Evaluate and make underwriting decisions on life and critical illness insurance applications with approval limits up to $10 million, ensuring decisions align with Manulife’s underwriting philosophy, risk appetite, and regulatory  and File Review:
Partner with assigned underwriters to review complex, high-value, or development-focused files, assessing the underwriting approach, evidence ordered, documentation, decision rationale, and customer/advisor impact.

Training and Development:
Actively train, coach, and mentor underwriters to build technical expertise, critical thinking, decision confidence, and readiness for increased approval limits and broader underwriting responsibilities.

Future of Underwriting Capability Building:
Support the development of future-ready underwriting skills, including effective use of digital tools, AI-enabled decision support, data-driven insights, and continuous improvement practices.

Decision Quality and Consistency:
Promote consistent application of underwriting guidelines, Manulife’s philosophy, financial and medical underwriting principles, and appropriate risk management practices.

Business and Customer Impact:
Help underwriters understand the broader business impact of their decisions, including requirement ordering, amendments, advisor communication, cycle time, customer experience, persistency, and competitive positioning.

Volume and Service Expectations:
Manage co-signing and underwriting work efficiently, supporting service standards and timely decision-making while balancing quality, development, and business priorities.

Coaching Conversations and Feedback:
Provide timely, constructive feedback through case discussions, coaching sessions, office hours, and file reviews to accelerate underwriter development and reinforce learning.

Collaboration:

Work collaboratively with underwriting leaders, Risk Management, Research, medical directors, and new business to support consistent decisions and a seamless customer and advisor experience.

Continuous Improvement:
Identify opportunities to improve underwriting processes, documentation, training approaches, requirement ordering, and use of tools to strengthen underwriting outcomes and future capabilities.

Qualifications

Experience:

A minimum of 5 years of experience in life and critical illness underwriting, with a proven track record of handling complex and high-value cases.

Technical Expertise:
Strong knowledge of life and critical illness underwriting, including medical, financial, non-medical, product, and persistency considerations.

Education:

Bachelor’s degree in finance, business, health sciences, or a related field is preferred.…