Senior Life Underwriter

September 5, 2025

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Job Description

Description

This range is provided by Empire Life. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

CA$65,800.00/yr – CA$123,000.00/yr

Location: Any Canadian Location, CA

Empire life is looking to hire a Senior Underwriter to join our Retail Operations team!

Why pursue this opportunity

Empire Life is looking to fill several Underwriting roles on the retail underwriting team. We are looking for team members who have strong leadership, technical and medical knowledge and skills. By joining the Empire Life today, you’ll be exposed to growth and career development opportunities. The Senior Life Underwriter maintains Company profitability through favourable mortality by reviewing and assessing the financial risk of individual life insurance applications. The incumbent is guided by defined goals and objectives and works under the general supervision of the Manager, Underwriting.

  • Join a transforming business -we are a medium-sized Canadian company in a stable industry which is rapidly transforming.
  • The environment – we understand the importance of work-life balance and strive to provide a supportive work environment that allows our employees to achieve both personal and professional goals.
  • Play an integral role – this is an opportunity that allows for you to grow your skills, while directly contributing to the business unit you are a part of.

What you’ll be working on

  • Assesses risk accurately to an approval limit of $2,000,000 – $3,000,000 for individual life and $1,000,000 for critical illness policies
  • Provides sound risk decisions and related support to the Sales & Marketing and Retail business line teams
  • Assesses the mortality and financial risk for individual life insurance applications through an analysis of financial and medical information
  • Provides support to the Sales team in the management of the distribution relationship
  • Interacts with reinsurance providers to spread risks on retention amounts that exceed the Empire Life retention limit
  • Consults with Senior Underwriters, medical Directors, or the Underwriting Manager, on any questionable situations
  • Participates as an active team member and leads assigned projects
  • Coaches junior and intermediate underwriters from a technical lens to ensure that individual coverage decisions are appropriate, made in a timely manner, and communicated to the appropriate team members

What we’re looking for you to have

  • 4+ years work experience in individual underwriting, three of which has been at an intermediate level
  • Experience coaching/mentoring others
  • Knowledge of word processing, spreadsheet, email, internet and database computer software
  • Comprehensive knowledge of medical and financial terminology
  • Well-developed analytical and problem resolution skills
  • Ability to be decisive and show consistently good judgment
  • Well-developed coaching and mentoring skills
  • Well-developed organizational skills
  • Clear writing and verbal communication skills
  • Ability to work within and apply decision methodologies
  • Completion of a university degree in life sciences, nursing or kinesiology
  • FLMI with underwriting specialty considered an asset
  • Working towards FALU considered an asset
  • If you are applying for a position which is open to applicants across Canada, unless otherwise indicated in the position, language proficiency in English is required for communicating with customers, advisors, or employees across Canada.

It would be nice for you to have

  • Knowledge of individual life and health underwriting and advanced financial underwriting are assets

Beyond the salary

For regular full-time positions, Empire Life offers a comprehensive total rewards package that includes: