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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. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Job Description:

Department Overview

The Underwriting Department at TD Insurance is a dynamic, high-energy team dedicated to protecting our customers and supporting the bank’s mission. We assess the mortality and morbidity risk of both TD Life's Individual Insurance products and for the Bank's Creditor Insurance program.

As an Associate Insurance Underwriter, you’ll gain hands-on experience in a fast-paced environment, working closely with supportive colleagues and industry experts. We’re committed to your growth, offering mentorship, ongoing training, and opportunities to pursue professional designations.

If you’re eager to learn, ready to make a difference, and want to build a rewarding career in insurance, we invite you to join our inclusive and innovative team. This position requires a minimum of 2+ years underwriting and insurance experience and/or a degree/diploma in health sciences. The successful candidate must be working towards having an FLMI, ALU and FALU designations or willing to begin working towards them, and eager to continue with professional development by attending industry meetings.

Job Description

• Review, assess, analyze, and evaluate detailed medical and non-medical risks, determine mortality ratings and make substantiated logical final decisions.

• 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.• 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:

• Minimum of 2+ years insurance underwriting and/or a degree/diploma in Health Sciences or other medical background

* Working toward license desired AALU ALMI designations, Industry related courses and/or accreditations (LOMA/ALU), or willing to begin working toward these license designations

Other Qualifications, Skills and Experience:

• Familiarity with underwriting function and eagerness to quickly build sound understanding of functions and 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.

#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 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. More than 95,000 TD colleagues bring their skills, talent, and creativity to foster deeper relationships, ensure disciplined execution, and build a simpler, faster banking experience. TD is deeply committed to being a leader in client experience, that is why we believe that all colleagues, no matter where they work, are client facing. Together, we are reimagining what banking can be for our clients, colleagues and communities.

Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more

Additional Information:
We’re delighted that you’re considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we’re committed to providing the support our colleagues need to thrive both at work and at home.

Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.

Colleague Development

If you’re interested in a specific career path or are looking to build certain skills, we want to help you succeed. You’ll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities.

If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful impact.

We're committed to your success and foster a respectful workplace where diverse perspectives are valued, everyone has fair opportunities to grow, and you can unlock your full potential to achieve your career goals. Here at TD, we hire and develop the best.

Training & Onboarding
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.

Interview Process
We’ll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation
Your accessibility is important to us. Please let us know if you’d like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.

We look forward to hearing from you!

Language Requirement (Quebec only):