Senior Underwriting Consultant, High Net Worth

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for aSenior Underwriting Consultant, High Net Worth based in Canada.

This role sits within a highly specialized underwriting environment focused on high-net-worth clients, where precision, judgment, and customer-centric thinking are essential. You will assess complex life and financial risk cases, contributing directly to high-value underwriting decisions that shape customer outcomes  position combines technical underwriting expertise with strong relationship management across sales, operations, and head office teams. You will play a key role in delivering competitive, well-reasoned decisions while ensuring compliance with regulatory and risk frameworks.

Working in a remote-first structure across Canada, you will collaborate with experienced professionals in a culture that values innovation, mentorship, and continuous learning. This is an opportunity to influence complex cases while contributing to the evolution of modern underwriting practices.

• Assess and classify complex life insurance risks in accordance with established underwriting philosophy, standards, and regulatory requirements
• Review high-net-worth applications and deliver competitive, well-structured underwriting decisions with significant financial authority
• Collaborate closely with sales, distribution, and head office teams to support business growth and maintain strong stakeholder relationships
• Ensure accurate interpretation of medical, financial, and lifestyle information to evaluate mortality and risk exposure
• Maintain compliance with legal, regulatory, and confidentiality standards, including anti-money laundering and disclosure requirements
• Identify process improvements and propose solutions to enhance underwriting efficiency and decision quality
• Participate in case discussions, referrals, and co-signing processes while supporting mentorship of less experienced underwriters
• Contribute to delivering a consistently high-quality customer and advisor experience across all interactions

• Minimum 5 years of underwriting experience, including exposure to high-net-worth markets
• Significant life underwriting authority (e.g., $5M+ signing authority preferred)
• Strong knowledge of medical underwriting concepts, including anatomy, physiology, pharmacology, diagnostics, and treatments
• Understanding of non-medical risk factors such as occupation, lifestyle, and avocations
• Experience interpreting financial documentation and exposure to anti-money laundering principles
• Strong relationship management and sales-oriented mindset with the ability to support business growth
• Excellent communication skills, both written and verbal, with confidence engaging senior stakeholders
• Strong analytical, negotiation, and decision-making abilities in complex cases
• Working toward or completion of professional designations such as FALU, FLMI, or ACS (preferred)
• Ability to work independently in a remote environment while collaborating effectively across teams
• Bilingualism (English/French) is an asset, depending on location

• Competitive base salary with performance-based incentive opportunities
• Comprehensive health, dental, vision, and mental health coverage
• Life, disability, and accidental death insurance coverage
  
  Retirement savings plans with employer contributions
• Generous paid time off including vacation, personal days, sick leave, and statutory holidays
• Flexible remote work arrangement across Canada
• Professional development support, training, and career growth opportunities
• Inclusive and collaborative work culture with strong focus on well-being
• Access to wellness programs, employee assistance, and financial education resources.