Job Description:

Experienced Individual Underwriter

Location: Waterloo/Toronto (Hyrbrid)

Are you a passionate Underwriter who loves to deliver exceptional service to clients, advisors and partners? Does a high performance continuous improvement environment motivate you to bring your best everyday? Are looking for an opportunity where you can grow your career and make a difference?

With the ability to work from home, regular training and an amazing client-centric team, Sun Life may be the place for you. We are looking for Senior Underwriting Consultants to work within our Waterloo/Toronto offices. We have opportunities in risk selection, rules development, predictive analytics, across four distinct underwriting teams that offer challenge, excitement and growth.

We are looking for individuals who:

• Are client-focused with a passion for working towards a common goal on a high performing team
• Driven by strong desire and commitment to support our Distribution partners
• Have a comprehensive risk analysis approach to underwriting

Role Summary:

Review and analyze medical, lifestyle and financial information to evaluate eligibility and risk for applications for Life, and Critical Illness Insurance products. Conduct risk assessment, make and communicate decisions for each application. Build strong relationships with our clients and advisors and deliver an exceptional service experience.

Key Accountabilities

• Analyze insurance applications and evidence of insurability; apply holistic underwriting expertise in all areas of underwriting including medical, financial and lifestyle factors to make sound and competitive underwriting decisions.
• Where decisions are unfavourable for the client, try to negotiate a better decision from our reinsurers, in accordance with reinsurance treaties and internal rules. Effectively communicate and explain decisions effectively to advisors and/or client's physician as required leveraging our Client for Life Principles.
• Build strong relationships and partner with business leaders, sales teams and advisors delivering exceptional service and expertise.
• Respond to inquiries from advisors without revealing confidential information.
• Focus on continuous improvement. Identify areas of opportunities and bring forward recommendations for solutions through our Brighter Way program.
• Contribute to a positive environment through team work, and a spirit of innovation, continuous improvement and professional development

Key Skills/Competencies

• Exceptional analytical, judgement, problem-solving and decision-making skills
• Must underwrite both Life and Critical Illness
• Minimum Life signing authority of $5M and Critical Illness signing authority of $300K
• Must be comfortable with financial underwriting on large premiums
• Excellent written and verbal communication.
• Client and results focus, pro-active service orientation to support our business goals
• Ability to influence and negotiate
• Strong knowledge of medicine and risk factors
• The ability to work in a fast paced environment, meet tight deadlines and balance completing priorities
• Strong interpersonal skills to work collaboratively with our internal and external partners
• Strong attention to detail and accuracy
• Ability to work independently and eager to take on responsibility
• Bachelor's degree or equivalent
• Specialized training: ALU certificate and commitment to ongoing education with a goal of attaining the Fellow, Academy of Life Underwriting (FALU)

Other Details

• Successful candidate will work out of our Waterloo or Toronto office (depending on their location)

What's in it for you :

• We're proud to be recognized as a company with a 2026 Most Trusted Executive team by Great Place to Work® Canada
• Access to short-term assignments or 'Gigs' across the organization, to help you develop new skills and connections.
• A collaborative and interactive team environment
• Charitable giving through our You Give, We Give program lets you give back to your community - and in many cases, we'll match your contributions.
• Care Days available for self-care or care of others (i.e., family or others you may support) and Sick Days to support your well-being.

The Base Pay range is for the primary location for which the job is posted. It may vary depending on the work location of the successful candidate or other factors. In addition to Base Pay, eligible Sun Life employees participate in various incentive plans, payment under which is discretionary and subject to individual and company performance. Certain sales focused roles have sales incentive plans based on individual or group sales results.

We are proud to be a hybrid organization that offers our employees the choice and flexibility to work from both the office and virtually based on the needs of the business, our Clients and you! Several work options are available and can be discussed throughout the selection process depending on the role requirements and individual needs.

We may use artificial intelligence to support candidate sourcing, screening, interview scheduling.

We thank all applicants for showing an interest in this position. Only those selected for an interview will be contacted.

Salary Range:
80,000/80 000 - 128,000/128 000

Job Category:
Underwriting - Individual

Posting End Date:
24/07/2026