Bilingual Senior Underwriter - Living Benefits - 100% REMOTE - GREAT PAY

TEKsystems•Toronto, ON

1d•CA$60 - CA$80•Remote

About The Position

We are seeking an experienced Living Benefits Underwriter specializing in individual critical illness and disability insurance, responsible for assessing medical, non-medical, and financial risk. In this role, you will manage a high-volume caseload, making timely and quality underwriting decisions within established authority limits (Disability Insurance up to $5,000 monthly benefit and Critical Illness authority of $100K–$500K+), while maintaining strong risk management standards. You will review medical files, attending physician statements, lab results, personal and business financial statements, and other supporting documentation to evaluate risk and determine coverage eligibility. The successful candidate will be comfortable managing approximately 10–15 cases per day (50–75 per week) while maintaining productivity, service standards, and decision quality. In addition, you will support quality assurance initiatives through the audit and review of underwriting decisions, contributing to consistent risk assessment practices and efficient case turnaround. This is an opportunity to join a dynamic environment focused on performance, collaboration, and delivering exceptional underwriting outcomes.

Requirements

3+ years of experience in Individual Living Benefits Underwriting, with a focus on Critical Illness and Disability Insurance (not Group Insurance)
Demonstrated experience assessing medical, non-medical, and financial risk, including the review of medical records, attending physician statements, lab results, personal financial information, and corporate financial statements
Current or previous underwriting authority of approximately $5,000 monthly Disability Insurance benefit and $100K–$500K+ Critical Illness coverage
Strong ability to make sound underwriting decisions while balancing risk management, customer experience, and productivity expectations
Experience auditing and reviewing underwriting decisions to ensure consistency, quality, and adherence to underwriting guidelines
Ability to manage a high-volume caseload, averaging 10–15 cases per day (50–75 cases per week) while maintaining accuracy and service standards
Proficiency with underwriting systems and digital tools, including queue-based workflows, SharePoint, Dynacare, and other underwriting platforms
Strong analytical, organizational, and communication skills, with the ability to work independently in a fast-paced environment
Must be legally authorized to work in Canada and able to travel to a Canadian office up to twice per year for team meetings and collaboration events

Nice To Haves

Familiarity with industry underwriting resources, including the RGA Global Underwriting Manual (GUM), is considered an asset
Experience with Canadian insurance carriers such as RBC, TD, Sun Life, Manulife, Canada Life, Desjardins, Equitable, or Beneva is considered an asset

Responsibilities

Assessing medical, non-medical, and financial risk.
Managing a high-volume caseload.
Making timely and quality underwriting decisions within established authority limits.
Reviewing medical files, attending physician statements, lab results, personal and business financial statements, and other supporting documentation.
Supporting quality assurance initiatives through the audit and review of underwriting decisions.
Contributing to consistent risk assessment practices and efficient case turnaround.