Associate Insurance Underwriter

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The Underwriting Department performs the mortality and morbidity risk assessment of insurance applications for Creditor Life Insurance and Critical Illness Insurance as well as Term Life Insurance which is distributed through outbound calls and internet direct sales. The department’s goal is to ensure that Underwriting practices and decisions meet the mortality and morbidity claims experience for the specific product lines. There is also a large focus on the Customer Experience. The department handles high volumes in a rapidly paced environment. This position will be underwriting Creditor Life Insurance and Critical Illness Insurance distributed through the bank retail branches. This position requires a minimum of 5 years medical underwriting and insurance experience or a degree/diploma in health sciences. The successful candidate should have LOMA and ALU designations and willing to demonstrate professional development by attending industry meetings.

Appropriate medical underwriting assessment and decisions for each risk according to the limits of the plan and underwriting philosophy meeting business guidelines and service standards.
• Gathering insurance risk information by written supplementary health questionnaires or phone conversations with customers
• Provide support to the claims department and handling claim referrals
• Provide a superior customer experience service on all activities:
• Communicate underwriting decisions and detailed explanations of adverse handlings promptly and accurately to clients and, where required to attending physicians.
• Ensure applications are underwritten and processed according to TD’s underwriting guidelines as well as the terms of the third party agreements
• Provide first level problem and complaint resolution
Process underwriter referrals, create training sessions on medical topics and participate in projects

Specific Education:
• LOMA Life Underwriting 386
• LOMA Associate Customer Service
• LOMA courses and/or designations
• Degree/Diploma in the Health Sciences and/or 5 years medical underwriting experience.
• Academy of Life Underwriting (ALU) Industry related courses and/or accreditations.

Other Qualifications, Skills and Experience:
• Minimum of 5 years medical underwriting and insurance experience or a degree/diploma in health sciences.
• Superior verbal and written communication skills
• Outstanding Customer Skills.
• Actively working on either LOMA or ALU course or designation.
• Strong organizational, analytical and time management skills
• excellent computer skills
• Demonstrated ability to work independently and in a team environment.

Additional Information : Hours of Operation: Monday to Friday 9:00am to 5:00pm

Inclusiveness At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.

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At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live and serve. If you require an accommodation for the recruitment/interview process (including alternate formats of materials, or accessible meeting rooms or other accommodation), please let us know and we will work with you to meet your needs.