Underwriting Consultant

Location

Hybrid – office in Canada and remote work flexibility.

• Flexible benefits from the day you join to meet your needs and those of your loved ones.
• Stock ownership program and pension plan with company matching opportunities.
• Annual bonus based on company and individual performance.
• Paid vacation based on experience, 5 care days for self‑care or caring for others, and 10 personal illness days to support well‑being.
• Unique sabbatical program allowing up to 6 weeks off every 5 years.
• Investment in not‑for‑profit organizations important to you.
• Maternity and paternity top‑up program to support growing families.

Base pay $80,000 – $128,000. Eligible employees participate in incentive plans and discretionary bonuses.

• Analyze medical, personal, and financial information to assess eligibility for Life and Critical Illness insurance applications, leveraging quantitative and qualitative data to inform sound decisions.
• Assess and classify risk using underwriting guidelines and professional judgement; gather additional information (e.g., medical evidence) or refer cases as required.
• Make timely, well‑reasoned decisions within authority limits and submit cases exceeding limits for co‑sign.
• Partner with reinsurers to negotiate optimal outcomes on complex or unfavorable decisions.
• Engage internal partners, business leaders, and advisors to deliver a client‑centric experience grounded in expertise, empathy, and trust.
• Communicate decisions clearly and confidently to advisors and, when required, to clients’ physicians, explaining rationale respectfully, transparently, and understandably.
• Respond to inquiries from advisors and general agents while protecting confidentiality.
• Document decisions and supporting rationale, ensuring clear, concise notes that demonstrate thoughtful risk evaluation.
• Drive continuous improvement by identifying opportunities to enhance underwriting quality, efficiency, and consistency.
• Contribute ideas that support innovation, automation, and better outcomes for clients, advisors, and Sun Life.
• Maintain strong medical knowledge and stay current on underwriting approaches, trends, and risk factors.
• Embrace new tools and technology to improve efficiency and accuracy.

• Minimum 7 years of experience as an Individual Life Underwriter.
• Existing life and critical illness signing authorities.
• Analytical, judgement, problem‑solving, and decision‑making skills.
• Influencing and negotiation skills.
• Knowledge of medicine and risk factors.
• Service‑oriented attitude with interpersonal skills to work collaboratively with internal and external partners.
• Proven ability to meet tight deadlines and work under pressure while prioritizing multiple tasks.
• Specialized training: ALU certificate (or commitment to obtain) with a goal of attaining FALU and FLMI designations.
• Bilingualism (French, English) required for Quebec applicants only.

We welcome applications from qualified individuals from all backgrounds. Diversity and inclusion are core values at Sun Life.

Persons with disabilities who need accommodation in the application process or those needing job postings in an alternative format may email