Underwriting Consultant

Analyze medical, personal, and financial information to assess eligibility for Life and Critical Illness insurance applications, leveraging quantitative and qualitative data to inform sound decisions. Assess and classify risk using underwriting guidelines and professional judgement; gather additional information or refer cases as required. Make timely, well-reasoned decisions within your authority limits and submit cases exceeding limits for co-sign. Partner with reinsurers to negotiate optimal outcomes on complex or unfavourable decisions. Engage internal partners, business leaders, and advisors to deliver an advisor and Client-centric experience grounded in expertise, empathy, and trust. Communicate decisions clearly and confidently to advisors and Clients' physicians—explaining rationale in a way that is respectful, transparent, and easy to understand. Respond to inquiries from advisors and general agents while protecting confidentiality. Document decisions and supporting rationale, ensuring clear, concise notes that demonstrate thoughtful risk evaluation. Drive continuous improvement by identifying opportunities to enhance underwriting quality, efficiency, and consistency. Also contribute ideas that support innovation, automation, and better outcomes for Clients, advisors and Sun Life. Maintain strong medical knowledge and stay current on underwriting approaches, trends, and risk factors. Embrace new tools and technology to improve efficiency and accuracy.