Senior Underwriting Consultant, High Net Worth
This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Senior Underwriting Consultant, High Net Worth based in Canada.
This role sits within a highly specialized underwriting environment focused on high-net-worth clients, where precision, judgment, and customer-centric thinking are essential. You will assess complex life and financial risk cases, contributing directly to high-value underwriting decisions that shape customer outcomes at scale. The position combines technical underwriting expertise with strong relationship management across sales, operations, and head office teams. You will play a key role in delivering competitive, well-reasoned decisions while ensuring compliance with regulatory and risk frameworks. Working in a remote-first structure across Canada, you will collaborate with experienced professionals in a culture that values innovation, mentorship, and continuous learning. This is an opportunity to influence complex cases while contributing to the evolution of modern underwriting practices.
This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Senior Underwriting Consultant, High Net Worth based in Canada.
This role sits within a highly specialized underwriting environment focused on high-net-worth clients, where precision, judgment, and customer-centric thinking are essential. You will assess complex life and financial risk cases, contributing directly to high-value underwriting decisions that shape customer outcomes at scale. The position combines technical underwriting expertise with strong relationship management across sales, operations, and head office teams. You will play a key role in delivering competitive, well-reasoned decisions while ensuring compliance with regulatory and risk frameworks. Working in a remote-first structure across Canada, you will collaborate with experienced professionals in a culture that values innovation, mentorship, and continuous learning. This is an opportunity to influence complex cases while contributing to the evolution of modern underwriting practices.
Accountabilities:
- Assess and classify complex life insurance risks in accordance with established underwriting philosophy, standards, and regulatory requirements
- Review high-net-worth applications and deliver competitive, well-structured underwriting decisions with significant financial authority
- Collaborate closely with sales, distribution, and head office teams to support business growth and maintain strong stakeholder relationships
- Ensure accurate interpretation of medical, financial, and lifestyle information to evaluate mortality and risk exposure
- Maintain compliance with legal, regulatory, and confidentiality standards, including anti-money laundering and disclosure requirements
- Identify process improvements and propose solutions to enhance underwriting efficiency and decision quality
- Participate in case discussions, referrals, and co-signing processes while supporting mentorship of less experienced underwriters
- Contribute to delivering a consistently high-quality customer and advisor experience across all interactions
- Minimum 5 years of underwriting experience, including exposure to high-net-worth markets
- Significant life underwriting authority (e.g., $5M+ signing authority preferred)
- Strong knowledge of medical underwriting concepts, including anatomy, physiology, pharmacology, diagnostics, and treatments
- Understanding of non-medical risk factors such as occupation, lifestyle, and avocations
- Experience interpreting financial documentation and exposure to anti-money laundering principles
- Strong relationship management and sales-oriented mindset with the ability to support business growth
- Excellent communication skills, both written and verbal, with confidence engaging senior stakeholders
- Strong analytical, negotiation, and decision-making abilities in complex cases
- Working toward or completion of professional designations such as FALU, FLMI, or ACS (preferred)
- Ability to work independently in a remote environment while collaborating effectively across teams
- Bilingualism (English/French) is an asset, depending on location
- Competitive base salary with performance-based incentive opportunities
- Comprehensive health, dental, vision, and mental health coverage
- Life, disability, and accidental death insurance coverage
- Retirement savings plans with employer contributions
- Generous paid time off including vacation, personal days, sick leave, and statutory holidays
- Flexible remote work arrangement across Canada
- Professional development support, training, and career growth opportunities
- Inclusive and collaborative work culture with strong focus on well-being
- Access to wellness programs, employee assistance, and financial education resources.
In this role, you will evaluate complex high-net-worth insurance applications while ensuring sound risk assessment, strong partner collaboration, and exceptional customer experience.
Requirements:
The ideal candidate is an experienced underwriting professional with strong technical depth, sound judgment, and the ability to operate confidently in a high-value, client-facing environment.