Foresters Financial

• Manage a defined territory to generate sales and develop new business • Lead by actively prospecting for new sales, as well as establishing long lasting relationships and servicing existing clients • Promote products through presentations, seminars and other approaches • Provide superior service to ensure positive experiences at all times • Able to generate sales, make the right connections, build relationships, sell our solutions, and support implementation and ongoing services • Build and execute a sales plan to deliver expected results • Identify marketing and sales opportunities and best approaches to close sales • Develop and provide regular sales and product training seminars • Be the primary contact for escalated support for distributors

Role Description The Senior Compensation Administrator is accountable for the timely oversight and commission payments to our Canadian distributors. The Senior Compensation Administrator provides customer service at established service levels to the various distribution channels by accurately answering questions and/or resolving compensation inquiries. Key Responsibilities - Respond to and ensure efficient and accurate resolution to daily telephone and email inquiries pertaining to compensation issues, meeting established service level standards. - Research and investigate issues, recommend solutions, test and support implementation. Subject matter expert responsible for key projects, business analysis, and enhancement oversight. - Handle escalation resolution with minimal or no supervision. - Train and coach team members, maintain procedural documents, make and implement recommendations for process improvements, with appropriate authorizations and in accordance with applicable laws, regulations, and Foresters policies. - Daily and ad hoc reporting for management, internal, and external customers including but not limited to Quality Review, production and SLA metrics, and producer commission reports. - Assisting in production work efforts on Compensation team. - Provide customer service support through our dedicated 1-800 line. Phone support required on schedule and rotational basis. - Additional duties as required to support any Compensation related activities. Qualifications - Post secondary diploma in a related field or equivalent experience. - Minimum 3-5 years in the financial services industry. - Knowledge of PMACS and PMACS web portal or other Contracting & Compensation Administration systems is an asset. - Experience with Microsoft CRM and Amazon Connect is an asset. - Excellent written and verbal communication skills in English and French. - Advanced written and verbal communication skills to effectively communicate with internal and external customers and resolve escalations. - Self-starter with demonstrated ability to prioritize own work and work of others. - Results driven with strong ability to multi-task under pressure and time constraints to meet various deadlines while maintaining keen attention to detail. - Decisive with good judgment/decision-making skills to act effectively in resolving compensation issues. - Requires highly developed and creative problem solving and analytical skills, ability to recognize and address discrepancies, anomalies, inconsistencies, and long-term implications of decisions and actions. - Knowledge of producer and up-line commission structures for both Canada and the US. - Ability to learn quickly and leverage new technologies. - Ability to work within the hours of Insurance Operations (8:00am – 8:00 pm). - Must be willing to work extended hours, evenings, and weekends during peak periods as required to meet SLA’s. Salary Range $50,000 - $70,000. The actual base salary for this position will depend on several factors, including job-related skills, experience, and education. In addition to base pay, eligible employees may participate in a discretionary variable incentive plan, results are subject to both individual and company performance. Equal Opportunity Employment and Inclusion At Foresters Financial, we are committed to sustaining an equal opportunity environment for all job applicants. We embrace Inclusion, Diversity and Equity (IDE) as a core strategic objective for building strong, innovative teams in which all our employees can show up wholly and authentically as themselves. Foresters Financial strives to provide an accessible candidate experience for prospective employees with different abilities. If you anticipate needing any type of accommodations during the recruitment process, please email accommodations@foresters.com in advance of your appointment. Thank you for choosing Foresters. Only those candidates who will be selected for further consideration will be contacted by our Talent Acquisition Team.

• Manage a defined territory to generate sales and develop new business • Lead by actively prospecting for new sales, as well as establishing long lasting relationships and servicing existing clients • Promote products through presentations, seminars and other approaches • Provide superior service to ensure positive experiences at all times • Able to generate sales, make the right connections, build relationships, sell our solutions, and support implementation and ongoing services • Build and execute a sales plan to deliver expected results • Identify marketing and sales opportunities and best approaches to close sales • Develop and provide regular sales and product training seminars • Be the primary contact for escalated support for distributors

Career Opportunity Role Title Senior Underwriter Purpose of role The Senior Underwriter is responsible for underwriting life insurance application using universally recognized underwriting principles by evaluating health, financial, lifestyle and other risk factors to determine the appropriate underwriting rate class, while managing and maintaining service levels and acceptable mortality results. The incumbent will work closely with and establish strong relationships with company stakeholders including New Business, Actuarial, Claims, and Distribution. Job Description Key Responsibilities - Review insurance application files for new business, reinstatements and coverage change requests - Establish and maintain effective relationships with producers, including communicating the underwriting decision - Balance investigative costs for tests/assessments versus risk management requirements to make informed underwriting decisions and determine steps to be taken to fully evaluate the application, including identifying additional required information and/or professional resource assessment reports - Order required medical tests/assessments, as required. Arrange for any additional required assessments from professional resource contacts and contact the producer to obtain missing application information - Research, interpret and analyze information relevant to the application, including product details, legislation, rate manuals, medical/drug reference books, applicant insurance history, motor vehicle reports and other relevant sources. Access (decode) confidential medical information related to the applicant through the Medical Information Bureau (MIB) - Efficiently document the applicant file on the Underwriting systems as additional information is received. Code and enter data from received medical reports to the information system - Complete a full underwriting assessment of the application following the receipt and review of all required information, considering potentially competing factors such as new/increased business income to Foresters versus risk of significant financial loss. Consult with Chief Underwriter as required on complex underwriting issues - Finalize the underwriting decision within approval limits as assigned by the Chief Underwriter, carefully distinguishing standard from preferred and preferred plus risks, and authorize issues of the new or revised insurance certificate for approval applications. - Initiate processes to refer application files for reinsurance as required - Compose related correspondence to members/producers related to the information required to assess the application with appropriate reconsiderations, where possible; advisory letters to the member and producer regarding the approval/decline of the application, letters containing confidential medical information to the applicant’s physician related to a decline decision - Participate in the research, review and analysis of underwriting related legislation and regulations, and current underwriting issues and trends, and participate in the review and development of new/revised underwriting policies, procedures, systems and standards as assigned by the Chief Underwriter - Work with the Medical Director on cases as required - Other projects and duties as assigned Key Qualifications - A minimum of five (5) plus years of underwriting experience - Achieved AALU and working towards FALU/FLMI designations - Strong medical and financial underwriting knowledge - Experience with simplified issue and final expense type products - Strong knowledge of underwriting theory, principles, methods, systems, processes and standards attained from Part One of the Academy of Life Underwriting program and underwriting experience - Consultation skills to make consistent and appropriate underwriting decisions within Foresters policies and standards - Consultation and communication skills to request information from a broad range of resources/professionals as required - Knowledge of the interpretation and application of underwriting legislation and regulations across the US - Knowledge of the Foresters purpose, goals and objectives to ensure compliance of decisions with Foresters policies and standards - Ability to learn and understand in detail, Foresters insurance products and contact provisions to review and assess applications in order to make effective underwriting decisions #LI-Remote Salary Range: $71,500.00 - $104,500.00 The actual base salary for this position will depend on several factors, including job-related skills, experience, and education. In addition to base pay, eligible employees may participate in a discretionary variable incentive plan, results are subject to both individual and company performance. Please note that this posting is intended to fill an existing vacancy; however, there may be instances where more than one vacancy is available for the same role. Equal Opportunity Employment and Inclusion – at Foresters Financial, we are committed to sustaining an equal opportunity environment for all job applicants. We embrace Inclusion, Diversity and Equity (IDE) as a core strategic objective for building strong, innovative teams in which all our employees can show up wholly and authentically as themselves. Foresters Financial strives to provide an accessible candidate experience for prospective employees with different abilities. If you anticipate needing any type of accommodations during the recruitment process, please email accommodations@foresters.com in advance of your appointment. Thank you for choosing Foresters. Only those candidates who will be selected for further consideration will be contacted by our Talent Acquisition Team.

• Lead a team of annuity product analysts responsible for the development of detailed plan designs and detailed product specification documents for all new products, product enhancements, and in-force product support • Build, file, and obtain regulatory approval for new products and enhancements to existing products for the US annuity market • Oversight for regulatory, taxation, and compliance changes impacting products, IMOs, agents, and members • Support new operational process/strategies prior to them becoming a project or an enhancement • Bridge the product, process, and technology aspects of any product initiatives to ensure a seamless end-result • Subject-matter expert on various non-product initiatives (e.g. new admin, compensation, claims, agent/client portal, back office, and new business systems) • Lead US annuity competitive research and intelligence

• Lead pricing, product development support, and profitability management of the company’s annuity product portfolio • Provide strategic direction on pricing assumptions, product design, risk management, and capital optimization • Ensure compliance with actuarial standards of practice and internal controls • Present pricing recommendations to senior leadership and product committees • Manage reinsurance RFPs and ensure compliance with the terms of reinsurance treaties • Set best estimate assumptions for various factors including mortality and investment returns • Assess capital impacts under statutory and RBC frameworks • Support asset-liability management and reinsurance optimization • Lead a team of pricing actuaries and analysts

• Lead large-scale, cross-functional annuity initiatives from concept to implementation through the development, monitoring and execution of implementation plans; work closely with IT PMO, where applicable • Establish program charters, governance structures, timelines, and success metrics • Manage interdependencies across multiple workstreams and business units • Responsible for owning stakeholder experience (agent, member and employee) through the creation and implementation of a change management plan • Proactively identify and mitigate risks to ensure timely and successful delivery • Co-facilitate steering committee meetings with IT PMO while providing clear executive-level reporting • Align stakeholders on scope, priorities, and resource allocation • Escalate issues appropriately and drive resolution across departments • Drive continuous improvement across product development and implementation processes • Monitor post-implementation results and ensure transition to business-as-usual operations • Promote and ensure strong documentation and controls • Lead and mentor team supporting the annuity business as it grows

• Answer inbound service-related calls regarding all aspects of doing business with Foresters Financial • Conduct follow up calls as needed • Prioritize the customer relationship by listening and responding with empathy • Stay current on relevant business topics and process changes • Provide the highest level of customer service through collaboration with multiple business areas • Maximize opportunities to evolve customer relationships and promote membership benefits • Determine the needs of the caller and provide support with accurate resolution • Understand the impact of Key Performance Indicators and set development goals • Contribute innovative ideas to solve problems • Cultivate self-awareness by seeking feedback

• Deliver training to Financial Advisors on Canada Protection Plan and Foresters Financial products, services, software, as well as the completion of all applications and forms. • Initiate phone contact with advisors to begin or expand on existing relationships • Work in collaboration with Regional Sales Directors in executing a Marketing and Sales Plan for the region to generate sales and develop new business • Use of in-depth knowledge of our products and the insurance industry in general, and interpersonal skills to increase sales and onboard new business • Create, revise, and deliver presentations using Power Point software and Zoom • Manage and respond to inquiries through telephone, email, or in person in an accurate, timely, and professional manner • Attend planned events, webinars, and office trainings for advisors during evening and weekend hours, as required • Follow up as required on specific case situations with New Business, Underwriting, and Client Service to resolve outstanding concerns and support the territory • Create broadcast emails with pertinent marketing and product information • Participate in national, regional, departmental and project group meetings, sharing feedback and information • Involved in special projects as required

Career Opportunity Role Title Senior Underwriter Purpose of role The Senior Underwriter is responsible for underwriting life insurance application using universally recognized underwriting principles by evaluating health, financial, lifestyle and other risk factors to determine the appropriate underwriting rate class, while managing and maintaining service levels and acceptable mortality results. The incumbent will work closely with and establish strong relationships with company stakeholders including New Business, Actuarial, Claims, and Distribution. Job Description Key Responsibilities - Review insurance application files for new business, reinstatements and coverage change requests - Establish and maintain effective relationships with producers, including communicating the underwriting decision - Balance investigative costs for tests/assessments versus risk management requirements to make informed underwriting decisions and determine steps to be taken to fully evaluate the application, including identifying additional required information and/or professional resource assessment reports - Order required medical tests/assessments, as required. Arrange for any additional required assessments from professional resource contacts and contact the producer to obtain missing application information - Research, interpret and analyze information relevant to the application, including product details, legislation, rate manuals, medical/drug reference books, applicant insurance history, motor vehicle reports and other relevant sources. Access (decode) confidential medical information related to the applicant through the Medical Information Bureau (MIB) - Efficiently document the applicant file on the Underwriting systems as additional information is received. Code and enter data from received medical reports to the information system - Complete a full underwriting assessment of the application following the receipt and review of all required information, considering potentially competing factors such as new/increased business income to Foresters versus risk of significant financial loss. Consult with Chief Underwriter as required on complex underwriting issues - Finalize the underwriting decision within approval limits as assigned by the Chief Underwriter, carefully distinguishing standard from preferred and preferred plus risks, and authorize issues of the new or revised insurance certificate for approval applications - Initiate processes to refer application files for reinsurance as required - Compose related correspondence to members/producers related to the information required to assess the application with appropriate reconsiderations, where possible; advisory letters to the member and producer regarding the approval/decline of the application, letters containing confidential medical information to the applicant’s physician related to a decline decision - Participate in the research, review and analysis of underwriting related legislation and regulations, and current underwriting issues and trends, and participate in the review and development of new/revised underwriting policies, procedures, systems and standards as assigned by the Chief Underwriter - Work with the Medical Director on cases as required - Other projects and duties as assigned Key Qualifications - A minimum of five (5) plus years of underwriting experience - Achieved AALU and working towards FALU/FLMI designations - Strong medical and financial underwriting knowledge - Experience with simplified issue and final expense type products - Strong knowledge of underwriting theory, principles, methods, systems, processes and standards attained from Part One of the Academy of Life Underwriting program and underwriting experience - Consultation skills to make consistent and appropriate underwriting decisions within Foresters policies and standards - Consultation and communication skills to request information from a broad range of resources/professionals as required - Knowledge of the interpretation and application of underwriting legislation and regulations across the US - Knowledge of the Foresters purpose, goals and objectives to ensure compliance of decisions with Foresters policies and standards - Ability to learn and understand in detail, Foresters insurance products and contact provisions to review and assess applications in order to make effective underwriting decisions LI-Remote Salary Range: $71,500 - $104,500 USD - Travel to Head Office, Toronto, Ontario, Canada will be required. Salary Range: $71,500.00 - $104,500.00 The actual base salary for this position will depend on several factors, including job-related skills, experience, and education. In addition to base pay, eligible employees may participate in a discretionary variable incentive plan, results are subject to both individual and company performance. Please note that this posting is intended to fill an existing vacancy; however, there may be instances where more than one vacancy is available for the same role. Equal Opportunity Employment and Inclusion – at Foresters Financial, we are committed to sustaining an equal opportunity environment for all job applicants. We embrace Inclusion, Diversity and Equity (IDE) as a core strategic objective for building strong, innovative teams in which all our employees can show up wholly and authentically as themselves. Foresters Financial strives to provide an accessible candidate experience for prospective employees with different abilities. If you anticipate needing any type of accommodations during the recruitment process, please email accommodations@foresters.com in advance of your appointment. Thank you for choosing Foresters. Only those candidates who will be selected for further consideration will be contacted by our Talent Acquisition Team.