Underwriter, Senior

At Equitable, we believe great things happen when we work together. We’re a Canadian mutual company driven by purpose - putting people first and helping Canadians protect today and prepare for tomorrow. If you’re passionate about making a difference and growing your career in an inclusive and collaborative environment, we’d love to hear from you. Our culture is built on care, passion and curiosity.

We put people above all else, strive to be our best and welcome new ideas to deliver positive outcomes.

Equitable is looking for a Senior Underwriter to join our Individual Insurance team! The Senior Underwriter plays a key role in risk assessment for both life and critical illness products. This position is critical to Equitable success.

You will work from your home office 100% of the time. You maybe required to be in-person at our office in Waterloo, ON or another assigned location within the Waterloo Region, on an as needed basis. Sales related roles may berequiredto travel based on the assignment.

• Apply strong and holistic underwriting expertise in all areas of underwriting, including medical, financial and non‑medical risk factors
• Consistently provide a superior quality of work
• Manage volumes of daily work independently to ensure service standards are met
• Provide a first‑class client experience
• Comply with legislative requirements, consumer regulation and reinsurance treaties as they apply to privacy, disclosure and risk classification
• Contribute to continuous enhancement of underwriting processes and procedures
• Provide mentorship to other underwriters, offering guidance and sharing your expertise

• Superior technical knowledge in medical, financial, and non‑medical underwriting
• Comfortable in a dynamic work environment with the flexibility to adapt to shifting priorities
• Excellent analytical and problem‑solving abilities
• Strong reinsurance relationships with excellent negotiation skills
• Strong communication skills, written and verbal
• Excellent relationship skills – proactive and service‑oriented is key!
• 3+ years of demonstrated professional experience as a Life and Critical Illness Underwriter
• FLMI / FALU designation or currently working towards
• Commitment to continuous learning and participation in education enhancement to remain current with medical knowledge and industry underwriting trends
• Good knowledge of MS Office Suite

• Career Growth:
  Regular learning sessions and development opportunities
• Total Rewards:
  Incentive pay, annual salary reviews, employer‑paid benefits and pension matching
• Time Away:
  Competitive vacation plus one paid volunteer day each year
• Flexibility:
  Healthy work‑life balance with employee wellness always top of mind, complemented by a “dress for your day” approach

At Equitable, we’re committed to fair pay and an inclusive, accessible hiring experience. If you need accommodations or alternative formats at any stage, just reach out to us at  We’re happy to help.

Your base pay will be based on your skills, qualifications, experience and education. In addition to your salary, this role is eligible for a discretionary annual incentive award tied to business performance, plus a wide range of competitive benefits.

If you’re selected to move forward, our Talent Acquisition team will walk you through all the details of our total rewards program, so you know exactly what’s included.

Director, Individual Underwriting Operations

Individual Insurance

Permanent Full-Time