Senior Underwriter, Individual Insurance


The Underwriter will review and assess life, critical illness and disability insurance product applications based on the company's underwriting guidelines. The selected applicant will frequently work and interact with our Canadian partners. A large proportion of the Underwriter’s duties will be performed in English.

The Underwriter will use their exceptional judgment to conduct a complex analysis of applicants’ medical and financial information and identify their appropriate risk category. We require the Underwriter to be a team player who communicates with various departments, particularly with Individual Insurance Administration, Claims, Sales, and Actuarial. Through clear and effective communication to our brokers and financial security advisors, they are flawlessly and able to support their decisions.

Main responsabilities

  • Provide technical expertise in risk assessment based on the company’s individual underwriting guidelines.
  • Able to work independently on complex insurance applications.
  • Assesses accurately to an approval limit of $1,000,000 for individual life coverage.
  • Manage their workload effectively by adapting to fluctuating volumes and related pressure.
  • Communicate directly with the applicants and intermediaries involved regarding decisions affecting the underwriting assessment.
  • Negotiate with the reinsurer and identify all solutions for making an offer to obtain an acceptance for a client file.
  • Work with our Partners and Third Party Administrators regarding risk assessment. 
  • Serve as a point of reference for claims files in the incontestability period.
  • Provide training and mentoring junior and intermediate underwriters to ensure individual coverage decisions are in line with our underwriting standards and are effectively and properly communicated.
  • Contribute towards the implementation of continuous improvements.
  • Take an active role in team meetings and encourage the team to achieve its objectives.
  • Inspire trust and demonstrate integrity in their work.


  • Bachelor’s degree in a relevant field and 10 years’ experience as an underwriter, including two years which have been at the senior level.
  • Bilingual: written and spoken French and English.
  • Specialized training: FLMI (Fellow, Life Management Designation) obtained or near completion; FALU (Fellow, Academy of Life Underwriting) obtained or near completion, an asset.
  • Medical and financial knowledge an asset.
  • Knowledge of insurance contracts and laws across Canada.
  • Knowledge of Office suite.


  • Proactive, independent, and exceptionally organized.
  • Demonstrates excellent communication skills.
  • Uses interpersonal skills to create a unique and distinctive interdepartmental experience.
  • Possesses strong analytical, judgment, and problem-solving skills.
  • Embraces a culture focused on collaboration and continuous improvement.
  • Inspires through confidence and values.
  • Able to navigate and thrive in a constantly changing environment.


Our team actively manages disability claims: first by determining eligibility according to the terms of the insurance contract and then by deploying proactive action plans to enable the insured to return to work as quickly and safely as possible. We work with both individual insurance and group coverage provided by an employer or group. The analysts work in collaboration with medical consultants, including a psychiatrist, physiotherapy and occupational therapy consultants, as well as in-house rehabilitation consultants. 

Interested in this position?

Send us your resume

Note that our offices are located in Saint-Hyacinthe.

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