Associate Insurance Underwriter

Description

• Review, assess, analyze, and evaluate detailed medical and non-medical risks, determine mortality ratings and make substantiated logical final decisions.

• Appropriate medical underwriting assessment and decisions for each risk according to the limits of the plan and underwriting philosophy meeting business guidelines and service standards.
• Decide and interpret MIB finds and determine required MIB coding subsequent to the final decision.

• Communicate/negotiate with reinsurers for final decisions and applicable ratings.

• Provide support to the claims department and handling claim referrals

• Communicate underwriting decisions and detailed explanations of adverse handlings promptly and accurately to clients and, where required to attending physicians.

• Ensure applications are underwritten and processed according to TD’s underwriting guidelines as well as the terms of the third party agreements

• Developing and maintain excellent working relationships with other TD Insurance departments, bank departments and reinsurers.

• Monitor and maintain service and production standards set for the department assisting own team members in meeting these departmental standards/goals.

• Participate in continuing education and self-development courses to remain current in medical advancements and trends

Job Requirements

Specific

Education:

• Minimum of 2+ years insurance underwriting and/or a degree/diploma in Health Sciences or other medical background

* Working toward license desired AALU ALMI designations, Industry related courses and/or accreditations (LOMA/ALU), or willing to begin working toward these license designations

Other Qualifications,

Skills and Experience:

• Familiarity with underwriting function and eagerness to quickly build sound understanding of functions and company's various business operations.

• Participate in continuing education and self-development courses to remain current in medical advancements and trends.

• Superior verbal and written communication skills

• Outstanding Customer Skills

• Strong organizational, analytical and time management skills

• Excellent computer skills

• Demonstrated ability to work independently and in a team environment.

#LI-TDI and #IN-TDI

Who We Are:

TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience.

TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs.

Additional Information:
We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

Colleague Development

If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career,…