Life and Health Medical Insurance Underwriter (French and English Bilingualism)

Work Location Markham, Ontario, Canada

Hours 37.5 hours per week

Line of Business TD Insurance

Pay Details $59,500 - $84,000 CAD (base pay may vary based on skills, experience and other business needs).

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD.

Job Description English and French language skills are required

(verbal, written and reading).

Perform appropriate medical underwriting assessment and decisions for each risk according to plan limits and underwriting philosophy while meeting business guidelines and service standards.

Gather insurance risk information via written supplemental health questionnaires or phone conversations with customers.

Provide support to the claims department and handle claim referrals.

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 third‑party agreements.

Create and deliver first‑level problem and complaint resolution.

Process underwriter referrals, create training sessions on medical topics, and participate in projects.

Department Overview The Underwriting Department performs mortality and morbidity risk assessment for Creditor Life Insurance, Critical Illness Insurance, and Term Life Insurance distributed through outbound calls and internet direct sales. The department ensures underwriting practices meet the mortality and morbidity claims experience for the specific product lines, with a strong focus on Customer Experience. This position underwrites Creditor Life Insurance and Critical Illness Insurance distributed through bank retail branches and requires a minimum of 5 years of medical underwriting and insurance experience or a degree/diploma in health sciences.

Job Requirements 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 service 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.

Who We Are TD is one of the world's leading global financial institutions and the fifth largest bank in North America by branches/stores. Every day, we strive to make every interaction, product, and experience remarkably human and refreshingly simple for over 27 million households and businesses in Canada, the United States and around the world.

Our Total Rewards Package Our Total Rewards package includes a base salary, variable compensation, health and well‑being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs.

Additional Information This job opportunity is subject to provincial regulation for employment purposes. Each province or territory within Canada may have its own set of regulations and requirements.

Colleague Development We provide regular career, development and performance conversations, an online learning platform, and a variety of mentoring programs to help unlock future opportunities.

Training & Onboarding Training and onboarding sessions will be provided to ensure you have everything you need to succeed in your new role.

Interview Process We will reach out to candidates of interest to schedule an interview and communicate outcomes to all applicants by email or phone call.

Accommodation Your accessibility is important to us. Let us know if you would like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help remove barriers throughout the interview process.

Language Requirement (Quebec only) Sans Objet

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