At Equitable, we believe work should be a place where you feel supported, inspired, and empowered to grow. In our caring and collaborative environment, your curiosity is encouraged, your passion is recognized, and your contributions truly matter. Together, we create meaningful impact, for our clients, our communities, and each other.
The Opportunity: At Equitable, we believe great things happen when we work together. We’re a Canadian mutual company driven by purpose - putting people first and helping Canadians protect today and prepare for tomorrow. If you’re passionate about making a difference and growing your career in an inclusive and collaborative environment, we’d love to hear from you. Our culture is built on care, passion and curiosity. We put people above all else, strive to be our best and welcome new ideas to deliver positive outcomes.
If you're looking for purpose-driven work in a collaborative and inclusive environment where your voice is heard, and your growth is encouraged we’d love to connect! We are looking for an Associate Underwriting Consultant to join our Individual Underwriting team! This position is critical to Equitable’s success.
Join one of the region’s top employers and be part of something that truly makes a difference.
Work Arrangements: You will work from your home office 100% of the time. You may be required to be in-person at our office in Waterloo, ON or another assigned location within the Waterloo Region, on an as needed basis. Sales related roles may be required to travel based on the assignment.
What you’ll do:
- Assess mortality and financial risk for individual life insurance applications through detailed analysis of medical, lifestyle, and financial information
- Collaborate with reinsurance partners to appropriately distribute risk for cases exceeding retention limits
- Coach and mentor junior, intermediate and/or senior underwriters from a technical perspective to ensure underwriting decisions are well‑reasoned, timely, and effectively communicated to stakeholders
- Demonstrate strong negotiation skills when working with reinsurers, advisors, and internal partners to achieve optimal underwriting outcomes
- Actively contribute as a team member and lead assigned projects, supporting continuous improvement and operational excellence
What you’ll bring:
- Strong analytical and problem‑solving skills supported by sound medical knowledge
- Excellent written and verbal communication skills, along with strong product knowledge and the ability to effectively share expertise with others in a collaborative team environment
- A proactive, service‑oriented, and results‑focused approach
- Ability to deliver accurate and timely underwriting decisions, ensuring prompt responses to agents and brokers
- Strong underwriting customer service skills, recognizing that inaccurate or unclear communication can cause policy issuance delays and negatively impact agent confidence and business relationships
- Experience consulting with the Medical Director and reinsurers on complex or unusual medical risks, ensuring the company’s risk exposure remains appropriate
- Commitment to professional development—both self‑development and the development of peers—through seminars, conferences, industry publications, and formal education
- FLMI or FALU designation, or active progress toward one of these designations
- Consistent accountability for quality and volume of work, demonstrated through positive audit results
- Completion of a minimum of 25 hours per year of continuing education to stay current with medical knowledge and industry underwriting trends
What’s in it for you:
- Career Growth: Regular learning sessions and development opportunities
- Total Rewards: Incentive pay, annual salary reviews, employer-paid benefits and pension matching
- Time Away: Competitive vacation plus one paid volunteer day each year
- Flexibility: Healthy work-life balance with employee wellness always top of mind, complemented by a “dress for your day” approach
At Equitable, we’re committed to fair pay and an inclusive, accessible hiring experience. If you need accommodations or alternative formats at any stage, just reach out to us at [email protected]. We’re happy to help.
Your base pay will be based on your skills, qualifications, experience and education. In addition to your salary, this role is eligible for a discretionary annual incentive award tied to business performance, plus a wide range of competitive benefits.
If you’re selected to move forward, our Talent Acquisition team will walk you through all the details of our total rewards program, so you know exactly what’s included.
Reports To: Director, Individual Underwriting Operations
Department: Individual Insurance
Term: Permanent Full-Time
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