Job Description:

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.
• Gathering insurance risk information by written supplementary health questionnaires or phone conversations with customers
• Provide support to the claims department and handling claim referrals
• Provide a superior customer experience service on all activities:
• 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
• Provide 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 the mortality and morbidity risk assessment of insurance applications for Creditor Life Insurance and Critical Illness Insurance as well as Term Life Insurance which is distributed through outbound calls and internet direct sales. The department's goal is to ensure that Underwriting practices and decisions meet the mortality and morbidity claims experience for the specific product lines. There is also a large focus on the Customer Experience. The department handles high volumes in a rapidly paced environment. This position will be underwriting Creditor Life Insurance and Critical Illness Insurance distributed through the bank retail branches. This position requires a minimum of 5 years medical underwriting and insurance experience or a degree/diploma in health sciences. The successful candidate should have LOMA and ALU designations and willing to demonstrate professional development by attending industry meetings. Internal

Job Requirements
Specific Education:
• Academy of Life Underwriting (ALU) Industry related courses and/or accreditations.
• LOMA 281, 291 & 311
• Degree/Diploma in the Health Sciences and/or 5 years medical underwriting experience. 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 Skills.
• Strong organizational, analytical and time management skills
• excellent computer skills
• Demonstrated ability to work independently and in a team environment.

#LI and #IN

Who We Are:

TD Securities offers a wide range of capital markets products and services to corporate, government, and institutional clients who choose us for our innovation, execution, and experience. With more than 6,500 professionals operating out of 40 cities across the globe, we help clients meet their needs today and prepare for tomorrow. Our services include underwriting and distributing new issues, providing trusted advice and industry-leading insight, extending access to global markets, and delivering integrated transaction banking solutions. In 2023, we acquired Cowen Inc., offering our clients access to a premier U.S. equities business and highly-diverse equity research franchise, while growing our strong, diversified investment bank. We are growth-oriented, people-focused, and community-minded. As a team, we work to deliver value for our clients every day.

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. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.

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):
Sans Objet