Life and Critical Illness Underwriting Co-Signer

Manulife

15h • Remote

About The Position

The Life and Critical Illness Underwriting Co-Signer is a critical role within Manulife’s underwriting organization, responsible for delivering high-quality, competitive underwriting decisions while actively developing the next generation of underwriting talent. This role supports Manulife’s underwriting philosophy by partnering with underwriters on complex and high-value files, strengthening decision quality, and ensuring sound risk management practices are consistently applied. In addition to co-signing decisions, the Underwriting Co-Signer plays an important role in training, coaching, and shaping future-ready underwriting capabilities. The individual will help underwriters build confidence, critical thinking, judgment, and business awareness in an environment where digital tools, AI-enabled insights, and evolving customer expectations are changing how underwriting work is performed. Through active mentorship, file review, feedback, and collaboration, this role helps create a stronger underwriting pipeline and supports the future of underwriting at Manulife.

Requirements

• A minimum of 5 years of experience in life and critical illness underwriting, with a proven track record of handling complex and high-value cases.
• Strong knowledge of life and critical illness underwriting, including medical, financial, non-medical, product, and persistency considerations.
• Bachelor’s degree in finance, business, health sciences, or a related field is preferred.
• Professional underwriting designations or progress toward designations such as FALU, FLMI, ACS, or equivalent are highly desirable.
• Demonstrated ability to mentor, coach, and develop underwriters through practical case review, feedback, structured learning, and knowledge sharing.
• Strong analytical, judgment, and problem-solving skills, with the ability to assess risk, challenge assumptions, and apply guidelines with sound business context.
• Excellent written and verbal communication skills, with the ability to explain complex decisions clearly and constructively to underwriters, leaders, advisors, and internal partners.
• Comfort with underwriting technology, digital tools, data insights, and AI-enabled decision support, with a willingness to help others adopt new ways of working.
• Ability to model collaboration, curiosity, accountability, adaptability, and a continuous improvement mindset in a fast-paced underwriting environment.

Responsibilities

• Evaluate and make underwriting decisions on life and critical illness insurance applications with approval limits up to $10 million, ensuring decisions align with Manulife’s underwriting philosophy, risk appetite, and regulatory expectations.
• Partner with assigned underwriters to review complex, high-value, or development-focused files, assessing the underwriting approach, evidence ordered, documentation, decision rationale, and customer/advisor impact.
• Actively train, coach, and mentor underwriters to build technical expertise, critical thinking, decision confidence, and readiness for increased approval limits and broader underwriting responsibilities.
• Support the development of future-ready underwriting skills, including effective use of digital tools, AI-enabled decision support, data-driven insights, and continuous improvement practices.
• Promote consistent application of underwriting guidelines, Manulife’s philosophy, financial and medical underwriting principles, and appropriate risk management practices.
• Help underwriters understand the broader business impact of their decisions, including requirement ordering, amendments, advisor communication, cycle time, customer experience, persistency, and competitive positioning.
• Manage co-signing and underwriting work efficiently, supporting service standards and timely decision-making while balancing quality, development, and business priorities.
• Provide timely, constructive feedback through case discussions, coaching sessions, office hours, and file reviews to accelerate underwriter development and reinforce learning.
• Work collaboratively with underwriting leaders, Risk Management, Research, medical directors, and new business to support consistent decisions and a seamless customer and advisor experience.
• Identify opportunities to improve underwriting processes, documentation, training approaches, requirement ordering, and use of tools to strengthen underwriting outcomes and future capabilities.

Benefits

• health, dental, mental health, vision, short- and long-term disability, life and AD&D insurance coverage, adoption/surrogacy and wellness benefits, and employee/family assistance plans.
• various retirement savings plans (including pension and a global share ownership plan with employer matching contributions) and financial education and counseling resources.
• generous paid time off program in Canada includes holidays, vacation, personal, and sick days, and we offer the full range of statutory leaves of absence.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior