JOB DESCRIPTION

• 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.
• Review, assess, analyze, and evaluate detailed medical and non-medical risks, determine mortality ratings and make substantiated logical final decisions.
• Decide and interpret MIB finds and determine required MIB coding subsequent to the final decision.
• Communicate/negotiate with reinsurers for final decisions and applicable ratings.
• Provide support to the claims department and handling 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 the terms of the third party agreements
• Developing and maintain excellent working relationships with other TD Insurance departments, bank departments and reinsurers.
• Monitor and maintain service and production standards set for the department assisting own team members in meeting these departmental standards/goals.
• Participate in continuing education and self-development courses to remain current in medical advancements and trends

JOB REQUIREMENTS

Specific Education:

• AALU ALMI designations, Industry related courses and/or accreditations (LOMA/ALU).
• Minimum of 5 years Individual Life Insurance medical underwriting and a degree/diploma in Health Sciences or other medical background.

Other Qualifications, Skills and Experience:

• Solid knowledge of underwriting function; sound understanding of Company’s various business operations.
• Participate in continuing education and self-development courses to remain current in medical advancements and trends.
• Superior verbal and written communication skills
• Outstanding Customer Skills
• Strong organizational, analytical and time management skills
• Excellent computer skills
• Demonstrated ability to work independently and in a team environment.
• Assisting with the training and development of Junior Undewriters

LI-TDI and #IN-TDI

WHO WE ARE:

TD is one of the world’s leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.
TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you’ve got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we’re here to support you towards your goals. As an organization, we keep growing – and so will you.

Please refer the Job description for details