At Equitable, we believe work should be a place where you feel supported, inspired, and empowered to grow. In our caring and collaborative environment, your curiosity is encouraged, your passion is recognized, and your contributions truly matter. Together, we create meaningful impact, for our clients, our communities, and each other. The Opportunity: At Equitable, we believe great things happen when we work together. We’re a Canadian mutual company driven by purpose - putting people first and helping Canadians protect today and prepare for tomorrow. If you’re passionate about making a difference and growing your career in an inclusive and collaborative environment, we’d love to hear from you. Our culture is built on care, passion and curiosity. We put people above all else, strive to be our best and welcome new ideas to deliver positive outcomes. If you're looking for purpose-driven work in a collaborative and inclusive environment where your voice is heard, and your growth is encouraged we’d love to connect! We are looking for an Associate Underwriting Consultant to join our Individual Underwriting team! This position is critical to Equitable’s success. Join one of the region’s top employers and be part of something that truly makes a difference. Work Arrangements: You will work from your home office 100% of the time. You may be required to be in-person at our office in Waterloo, ON or another assigned location within the Waterloo Region, on an as needed basis. Sales related roles may be required to travel based on the assignment. What you’ll do: - Assess mortality and financial risk for individual life insurance applications through detailed analysis of medical, lifestyle, and financial information - Collaborate with reinsurance partners to appropriately distribute risk for cases exceeding retention limits - Coach and mentor junior, intermediate and/or senior underwriters from a technical perspective to ensure underwriting decisions are well‑reasoned, timely, and effectively communicated to stakeholders - Demonstrate strong negotiation skills when working with reinsurers, advisors, and internal partners to achieve optimal underwriting outcomes - Actively contribute as a team member and lead assigned projects, supporting continuous improvement and operational excellence What you’ll bring: - Strong analytical and problem‑solving skills supported by sound medical knowledge - Excellent written and verbal communication skills, along with strong product knowledge and the ability to effectively share expertise with others in a collaborative team environment - A proactive, service‑oriented, and results‑focused approach - Ability to deliver accurate and timely underwriting decisions, ensuring prompt responses to agents and brokers - Strong underwriting customer service skills, recognizing that inaccurate or unclear communication can cause policy issuance delays and negatively impact agent confidence and business relationships - Experience consulting with the Medical Director and reinsurers on complex or unusual medical risks, ensuring the company’s risk exposure remains appropriate - Commitment to professional development—both self‑development and the development of peers—through seminars, conferences, industry publications, and formal education - FLMI or FALU designation, or active progress toward one of these designations - Consistent accountability for quality and volume of work, demonstrated through positive audit results - Completion of a minimum of 25 hours per year of continuing education to stay current with medical knowledge and industry underwriting trends What’s in it for you: - Career Growth: Regular learning sessions and development opportunities - Total Rewards: Incentive pay, annual salary reviews, employer-paid benefits and pension matching - Time Away: Competitive vacation plus one paid volunteer day each year - Flexibility: Healthy work-life balance with employee wellness always top of mind, complemented by a “dress for your day” approach At Equitable, we’re committed to fair pay and an inclusive, accessible hiring experience. If you need accommodations or alternative formats at any stage, just reach out to us at careers@equitable.ca. We’re happy to help. Your base pay will be based on your skills, qualifications, experience and education. In addition to your salary, this role is eligible for a discretionary annual incentive award tied to business performance, plus a wide range of competitive benefits. If you’re selected to move forward, our Talent Acquisition team will walk you through all the details of our total rewards program, so you know exactly what’s included. Reports To: Director, Individual Underwriting Operations ​Department:​ ​Individual Insurance ​Term:​ ​Permanent Full-Time This position is open and we are excited to find the right person to join our team. As part of the recruitment process, you will need to go through background screening, as per our company policy. #LI-Remote

• Provide timely, efficient, and accurate support to Underwriting with respect to issuing policies • Create policy documents which represent the insurance transaction bound by the underwriter • Ensure statistical coding and policy issuance complies with regulatory requirements • Maintain electronic and/or physical underwriting file • Solicit renewal transactions • Provide operational support for the product line’s underwriters • Work with the unit underwriters to bind, book, and issue policies • Review policies for accuracy and regulatory standards • Input policy and underwriting data in appropriate systems • Make direct contact with brokers and their assistants

Manulife’s underwriting team is renowned for thought leadership and innovative ways to underwrite complex files. We are looking for growth-minded, service-oriented underwriters to join our team. We offer industry-leading training and development and support our underwriting team with development opportunities within and beyond traditional underwriting roles. As a member of our exceptional Underwriting team, you'll be part of shaping the future of insurance excellence. Position Responsibilities:​ - Conduct risk assessment and classification by Manulife's philosophy and standards - Communicate and collaborate with sales and head office colleagues to provide the highest quality and competitive decisions to our customers - Maintain positive and effective relationships with internal and external partners - Consistently deliver the best customer experience by making every interaction significant - Align with consumer laws and regulations regarding risk classification, confidentiality and disclosure - Identify and propose solutions to problems and procedures related to the underwriter's work Required Qualifications: - 3 years of underwriting experience - $1,000,000+ Life signing authority - Sales and relationship-focused mindset with a drive for earning business and continuing to earn business in this competitive market - Working towards, or completion of FALU, FLMI and ACS designations - Strong knowledge of medical terminology including physiology, anatomy, pharmacology, imaging, diagnostic testing and treatments - Strong knowledge in how non-medical risks impact mortality, including hazardous occupations, sports, avocations and lifestyle - Experience with financial reports and training in anti-money laundering practices - Excellent oral and written communication skills Preferred Qualifications: - Bilingualism (English and French) is a strong asset. If the successful candidate is in Québec, proficiency in both languages will be required to support clients from various provinces outside of Quebec. - 100,000+ CI authority - University or college degree in a related discipline such as medical, research or financial - Strong negotiation skills - Interest in representing the company via external presentations, panels, conferences, etc. - Experience in co-signing, referral reviews, mentoring, etc. When you join our team: - We’ll empower you to learn and grow the career you want. - We’ll recognize and support you in a flexible environment where well-being and inclusion are more than just words. - As part of our global team, we’ll support you in shaping the future you want to see. What can we offer you? - A competitive salary and benefits packages. - A growth trajectory that extends upward and outward, encouraging you to follow your passions and learn new skills. - A focus on growing your career path with us. - Flexible work policies and strong work-life balance. - Professional development and leadership opportunities. The role being advertised is an existing vacancy. About Manulife and John Hancock Manulife Financial Corporation is a leading international financial services provider, helping people make their decisions easier and lives better. To learn more about us, visit https://www.manulife.com/en/about/our-story.html. Manulife is an Equal Opportunity Employer At Manulife/John Hancock, we embrace our diversity. We strive to attract, develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals. We are committed to fair recruitment, retention, advancement and compensation, and we administer all of our practices and programs without discrimination on the basis of race, ancestry, place of origin, colour, ethnic origin, citizenship, religion or religious beliefs, creed, sex (including pregnancy and pregnancy-related conditions), sexual orientation, genetic characteristics, veteran status, gender identity, gender expression, age, marital status, family status, disability, or any other ground protected by applicable law. It is our priority to remove barriers to provide equal access to employment. A Human Resources representative will work with applicants who request a reasonable accommodation during the application process. All information shared during the accommodation request process will be stored and used in a manner that is consistent with applicable laws and Manulife/John Hancock policies. To request a reasonable accommodation in the application process, contact hr@manulife.com. Referenced Salary Location CAN, Ontario - Full Time Remote Working Arrangement Remote Salary range is expected to be between $70,500.00 CAD - $117,500.00 CAD Employees also have the opportunity to participate in incentive programs and earn incentive compensation tied to business and individual performance. The actual salary will vary depending on local market conditions, geography and relevant job-related factors such as knowledge, skills, qualifications, experience, and education/training. If you are applying for this role outside of the primary location, please contact hr@manulife.com for the salary range for your location. Manulife offers eligible employees a wide array of customizable benefits, including health, dental, mental health, vision, short- and long-term disability, life and AD&D insurance coverage, adoption/surrogacy and wellness benefits, and employee/family assistance plans. We also offer eligible employees various retirement savings plans (including pension and a global share ownership plan with employer matching contributions) and financial education and counseling resources. Our generous paid time off program in Canada includes holidays, vacation, personal, and sick days, and we offer the full range of statutory leaves of absence. If you are applying for this role in the U.S., please contact hr@manulife.com for more information about U.S.-specific paid time off provisions. We use data and analytics technologies, such as artificial intelligence (AI), and automated processing tools, to analyze and process the information you provide to us or third parties in the application process. For more information, please refer to our personal information collection statement.

Company : HM Insurance GroupJob Description : JOB SUMMARY This job pricies quotes and analyzes the structure of a contract for a group based on claims experience, characteristics of the employee groups, etc. The incumbent develops and uses discretion of Underwriting authority, within the policies of HMIG, and ensure appropriate levels of profitability and growth over time. Identifying when to decline quotes that do not fit into the overall HMIG strategy and risk structure. Analyzes risk factors for new enrollment, annual renewals, and amendments of group insurance contracts or of self-funded plans in conformance with established underwriting policies, practices, and standards. Analyzes associated policies, guidelines, market data to continuously improve risk management and gain appropriate enrollment or manage existing membership. Analyzes data such as financial conditions of the organization, participation percentage, type of industry, characteristics of employee groups, or past claim experience to determine what benefits can be offered and to set the rates. Prepares a variety of reports and provides rationale and support to other areas within the organization, clients, and possibly producers regarding one or more of the following: underwriting results, rate computations and financial activity. Provides expense estimates and accurate analysis of financial exhibits. This is an entry level position, with oversight by Senior Underwriters and/or Management until the individual is acclimated to the Company procedures, policies and protocols. ESSENTIAL RESPONSIBILITIES - Responsible for a book of business of renewing accounts and writing new business at profitable levels to help HMIG achieve overall business targets/ or assigned volume of new applications or RFP’s. Utilizes various systems and tools to obtain necessary data and accurately complete and track assigned work. Receives guidance, technical oversight from other staff members. - Review and complete Rating and Analysis work with guidance and technical oversight from other staff. - Calculate rates, employs different financial arrangements, interprets pricing policy and adapts to unusual situations. - Identify questionable claim patterns of renewal clients and issues with competitor’s claims experience for prospect clients and develops recommendations to account for these situations. - Apply corporate risk management policies and adjust for unusual situations that may not have been considered in the standard pricing formula. - Identify when clients do not comply with corporate risk management policies, disclosure rules, or conditions/criteria for enrollment. - Recommend appropriate adaptation of pricing within the appropriate policy/guideline to accommodate each client specific or individual situation. - Analyze member risk and engages internal departments to manage this risk. - Support other internal initiatives which may include but not limited to fraud detection, corporate compliance, wellness/disease management, and product development efforts. - Complete renewals, prospect quotes, in accordance with production and timeliness standards. - Adapt to changing priorities as quotes come in from different markets and adapt to new priorities and requirements. - Communicate recommendations of policy adaptation to accommodate client-specific situations supported by a clear rationale or management principles. - Influence sales and external audiences toward appropriate risk solutions. - Influence sales team towards the appropriate pricing and structure of each quote. - Other duties as assigned or requested. EDUCATION Required - Bachelor's Degree - Mathematics, Actuarial Science, Finance, Business, Computer Science or other quantitative analysis discipline Substitutions - 6 years relevant, progressive experience in the area of specialization Preferred - None EXPERIENCE Minimum - 0 - 2 years of experience in Insurance, Underwriting of Self-Funded and/or fully insured prospects preferred Preferred: - None SKILLS - Developing understanding and knowledge of various internal departments and external stakeholder interacts - Ability to use applicable computer systems, electronic tools and applications - Ability to work independently and assume responsibility for routine projects - Demonstrate an understanding and support of corporate and departmental goals and initiatives - Demonstrate ethical business practices with adherence to all privacy and confidentiality policies and regulations - Good problem-solving, organizational, and negotiation skills required - Excellent math aptitude required to complete analysis REQUIRED LICENSURE - None PREFERRED LICENSURE - Actively pursuing a professional designation related to the healthcare industry and be willing to complete one course within twelve months in either Life Office Management Association (LOMA) Certified Employee Benefit Specialist (CEBS), or America's Health Insurance Plans (AHIP) TRAVEL REQUIREMENT 0% - 25% Language (Other than English): None Travel Requirement: 0% - 25% PHYSICAL, MENTAL DEMANDS and WORKING CONDITIONS Position Type Office-based Teaches / trains others regularly Occasionally Travel regularly from the office to various work sites or from site-to-site Rarely Works primarily out-of-the office selling products/services (sales employees) Never Physical work site required Yes Lifting: up to 10 pounds Constantly Lifting: 10 to 25 pounds Occasionally Lifting: 25 to 50 pounds Rarely Disclaimer: The job description has been designed to indicate the general nature and essential duties and responsibilities of work performed by employees within this job title. It may not contain a comprehensive inventory of all duties, responsibilities, and qualifications required of employees to do this job. Compliance Requirement: This job adheres to the ethical and legal standards and behavioral expectations as set forth in the code of business conduct and company policies. As a component of job responsibilities, employees may have access to covered information, cardholder data, or other confidential customer information that must be protected at all times. In connection with this, all employees must comply with both the Health Insurance Portability Accountability Act of 1996 (HIPAA) as described in the Notice of Privacy Practices and Privacy Policies and Procedures as well as all data security guidelines established within the Company’s Handbook of Privacy Policies and Practices and Information Security Policy. Furthermore, it is every employee’s responsibility to comply with the company’s Code of Business Conduct. This includes but is not limited to adherence to applicable federal and state laws, rules, and regulations as well as company policies and training requirements. Pay Range Minimum: $23.16 Pay Range Maximum: $35.88 Base pay is determined by a variety of factors including a candidate’s qualifications, experience, and expected contributions, as well as internal peer equity, market, and business considerations. The displayed salary range does not reflect any geographic differential Highmark may apply for certain locations based upon comparative markets. Highmark Health and its affiliates prohibit discrimination against qualified individuals based on their status as protected veterans or individuals with disabilities and prohibit discrimination against all individuals based on any category protected by applicable federal, state, or local law. We endeavor to make this site accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact the email below. For accommodation requests, please contact HR Services Online at HRServices@highmarkhealth.org California Consumer Privacy Act Employees, Contractors, and Applicants Notice