Job Description: Healthcare Agent Licensed Trainee – Pet Insurance (Remote) Pay Rate: $21.00/hour Location: Remote (Must reside in one of the following states: Arizona, Florida, Kentucky, or Texas) Do you have a passion for helping animals and hold an active Property & Casualty Insurance license? Join Chewy Insurance Services and help pet parents protect their beloved companions through comprehensive pet insurance coverage and exceptional customer service. We are seeking dynamic and motivated individuals to join our team as Healthcare Agent Licensed Trainee. In this role, you will educate pet parents, guide them through enrollment, and ensure they select the coverage options that best meet their needs. Why Join Chewy Insurance Services - Competitive pay and benefits - Opportunity to make a meaningful impact for pet families - Career growth within a rapidly expanding sector - Supportive and collaborative team culture Key Responsibilities - Respond to inbound warm leads from pet parents interested in pet insurance policies - Use a consultative approach to assess customer needs and recommend appropriate coverage - Educate customers on policy details, coverage options, and benefits - Confidently and empathetically address objections to build trust - Guide customers through the enrollment process and ensure accurate documentation - Meet or exceed enrollment targets while maintaining regulatory compliance - Utilize internal systems to provide a seamless customer experience - Collaborate with insurance partners and maintain knowledge of Chewy’s pet insurance offerings - Handle healthcare and customer service inquiries via phone, email, and chat as needed Qualifications - Active Property & Casualty Insurance license in your home state (required) - Ability to obtain and maintain non-resident licensure in all 50 U.S. states - Ability to pass a background check, additional insurance screenings, and fingerprinting as required - 2+ years of insurance sales experience preferred - 2+ years of customer service experience - Strong consultative selling and objection-handling skills - Excellent communication skills - Familiarity with pet insurance or the broader insurance industry is a plus - Comfortable using multiple systems for data entry and customer interaction - Flexibility to work shifts, including evenings, weekends, and potential overtime Training - Three weeks of virtual training - Monday through Friday - 9:00 AM – 5:30 PM ET Technical Requirements (Remote Work) - Reliable wired internet connection (minimum 30 Mbps download / 10 Mbps upload) - Dedicated, distraction-free workspace - Cell phone or tablet for two-factor authentication - Ability to receive SMS messages and phone calls - Compliance with insurance licensing location requirements Important: Applicants must provide complete and transparent information regarding any criminal background history on their pre-employment application, including misdemeanors, felonies, and dropped charges. If you are a licensed insurance professional who is passionate about helping pet parents and interested in building a meaningful career in pet health protection, we encourage you to apply. Chewy is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, ancestry, national origin, gender, citizenship, marital status, religion, age, disability, gender identity, results of genetic testing, veteran status, as well as any other legally-protected characteristic. If you have a disability under the Americans with Disabilities Act or similar law, and you need an accommodation during the application process or to perform these job requirements, or if you need a religious accommodation, please contact CAAR@chewy.com. To access Chewy's California CPRA Job Applicant Privacy Policy, please click here.

• Review and validate Workers’ Compensation and General Liability audits for accuracy, compliance, and consistency. • Achieve individual productivity targets based on audit volume and timeliness • Identify auditor trends or recurring issues and share insights to inform training adjustments • Maintain accountability for accurate and timely audit reviews • Apply manual rules and state-specific standards (e.g., WCIRB, PAAS) using internal systems such as Nexus and the resource library • Provide constructive feedback and mentoring to auditors to reduce repeat errors and support professional growth • Manage assigned audit queues, meet production goals, and complete urgent or overflow reviews as needed • Collaborate with Field Support, QA, and leadership teams to identify training opportunities and support continuous process improvement • Promote teamwork, professionalism, and a positive, solution-oriented culture

• Conduct detailed analysis and follow-up on outstanding insurance claims (both commercial and government), ensuring timely and accurate resolution in accordance with payer guidelines. • Research and resolve claim denials, rejections, and underpayments by initiating appropriate billing corrections, appeals, and resubmissions. • Prepare and submit claim documentation—including EOBs, itemized statements, and medical records—as required by payers to support claim adjudication. • Respond to payer and patient inquiries related to delinquent claims, maintaining compliance with privacy regulations and payer contract guidelines. • Utilize payer portals, Electronic Health Records (EHR), and patient accounting systems to investigate claim status, post notes, and manage follow-up activities. • Identify trends in denials and payment delays, contributing to process improvement initiatives and strategies for reducing AR days. • Maintain accurate and detailed records of account activity, ensuring that production goals and quality standards are consistently met or exceeded. • Demonstrate strong communication skills when interacting with insurance representatives, patients (as appropriate), and internal departments to resolve outstanding issues. • Prioritize and organize daily workload effectively to meet departmental benchmarks in a fast-paced, high-volume environment. • Provide support on special projects and additional assignments as requested by management

Application Deadline: 04/23/2026 Address: VIRTUAL(R)59 - REMOTE/TELETRAVAIL - ON - BMO Job Family Group: Customer Solutions The Senior Underwriter is accountable for assessing the early death and early incidence of a critical illness for the purpose of determining accurate underwriting mortality and morbidity. This role is accountable to assess complex medical and avocational histories including current financial concepts in the Individual Life insurance space. This role is accountable to assess individual risk in accordance to established underwriting principles within their signing authority. This role is required to have advanced critical thinking, communication, negotiation and interpersonal skills. This role is also required to have advanced knowledge of current industry trends and a strong command of data and analytics skills. Accountabilities Medical/Non-Medical/Financial Underwriting Follow the underwriting principles, directives, guidelines & manuals to assess the underwriting risk for New Business applications, Policy Changes for various product lines and distribution channels (Advisor, Direct, Creditor), including but not limited to the following key activities: - Calculate appropriate age/amount requirements, auto/jumbo limits and initial and ultimate face amounts of coverage in accordance with external reinsurance treaties - Review and assess AML and governance risk in advance of placing the contract inforce - Adjudicate client risk factors in the application and corresponding data elements in order to decide on the right mortality or morbidity risk - Review and assess information from Attending Physician Statements and other medical specialists in order to assess life expectancy - Review and determine Fair Market Value of Corporately owned policies to ensure amounts of coverage are justified - Work with client advisory partners (Tax planners, Accountants, Lawyers) to ensure that data is accurately reflected in the risk assessment that is made, insurable interest and review of sales concept involved - Liaise with specialists, such as actuaries, medical providers or doctors, to understand the medical risk and other non-medical risk factors for the identified case - Calculate underwriting decision and corresponding mortality rating based on medical experience and training, discussions with internal Medical Doctors, Reinsurance and Actuarial - Decide whether the risk should be shared with a re-insurer and negotiate reinsurance agreements on all individual cases - Decision the insurance policy and specify any additional conditions to be imposed based on the overall underwriting risk assessment - Update system and document notes and prepare for audit review - Check in force policies to ensure appropriate initial and ultimate amounts calculated - Ensure that the treaty terms for each Reinsurer on each product line is well understood and followed. Treaties are available to Underwriters and are housed in the Actuarial Department - Ensure MIB properly reviewed and coded on each case - Ensure communication is free of any personal comments. Documentation must be clear and concise and outlines methodology of risk assessment for auditing purposes - Perform presentations and onsite visits with Nesbitt EIA’s, Advisory brokers and Managing General Agencies (MGAs) as required to educate on underwriting matters - Review special underwriting requests or rating reconsiderations for MGAs and brokers and negotiate terms as required for specific business (within authority limits) - Keep up to date with medical knowledge, developments and trends. Keep abreast of changes in the financial market, economy, geo-political and travel concerns as they relate to Underwriting - Maintain excellent reinsurance relationships in the discussion of individual case management and requirements AML (Anti-Money Laundering) Risk Framework - Risk score all Universal Life clients and reviewing case parameters according to internal AML guidelines - Work with Corporate AML office on any findings required to change internal policy and procedures for underwriting - Perform review of client applications and disclosures - Assess corporate entities based on shareholder ownership and company financials - Support internal Business Unit Governance team on investigations and suspicious underwriting files Reinsurance Negotiations - Review and assess reinsurance decisions for market competitiveness - Negotiate complex medical/non-medical/financial cases with reinsurer to obtain best offer - Reserve and manage appropriate capacity for large cases - Calculate and reserve appropriate initial and ultimate amounts through reinsurance treaty parameters to anticipate future growth liabilities - Provide insight and feedback to Director Underwriting on trending reinsurance decision and emerging trends for future RFP treaty negotiations Risk Management - Follow appropriate underwriting principles, directives & guidelines and manuals to do (remove) assess the underwriting risk associated with new applications/business to BMO Life Assurance - Assess medical and non-medical risk factors consistent with internal and reinsurance guidelines - Obtain appropriate approvals based on judgment and signing limits, recommending for approval for policies that are above personal underwriting limits - Maintain current knowledge of promoted insurance sales concepts and understand the implications to underwriting and the business overall - Adhere to all aspects of First Principles our code of Business Conduct and Ethics including individual accountability as it relates to potential conflicts of interest, safeguarding of customer information, trading in securities, anti-money laundering, privacy and disclosure of outside business activities - Must be clear and concise and outlines methodology of risk assessment for auditing purposes - Visit brokers and managing general agencies (MGAs) as required to educate on underwriting matters - Review special underwriting requests or rating reconsiderations for MGAs and brokers and negotiate terms as required for specific business (within authority limits) - Keep up to date with medical knowledge, developments and trends. Keep abreast of changes in the financial market, economy, geo-political and travel concerns as they relate to Underwriting - Maintain excellent reinsurance relationships in the discussion of individual case management and requirements - Follow appropriate underwriting principles, directives & guidelines and manuals to do (remove) assess the underwriting risk associated with new applications/business to BMO Life Assurance - Assess medical and non-medical risk factors consistent with internal and reinsurance guidelines - Obtain appropriate approvals based on judgment and signing limits, recommending for approval for policies that are above personal underwriting limits - Maintain current knowledge of promoted insurance sales concepts and understand the implications to underwriting and the business overall - Adhere to all aspects of First Principles our code of Business Conduct and Ethics including individual accountability as it relates to potential conflicts of interest, safeguarding of customer information, trading in securities, anti-money laundering, privacy and disclosure of outside business activities Authorities To deliver on these accountabilities, these roles must have the following authorities: Information Access – Authority to use and access confidential information related to customer information, product and financial information. Authority includes accessing the internet for the purpose of gathering relevant data and current updates. Cross Functional Relationships To MGAs and brokers - Perform analysis and provide feedback on quality of business to Director or Underwriting and VP Business Development - Provide detail outcome of underwriting decision taken based on sound medical and financial underwriting analysis - Perform presentations to MGA’s and independent advisors on industry trends and complex medical underwriting files Medical Doctors - Review and analyze reinsurance manuals to ensure accurate decision and adherence to reinsurance guidelines based on current reinsurance treaties in effect - Identify any blood/urine specimen trends and abnormalities based on parameters set by VP and Chief Corporate Underwriter - Decision complex medical situations to obtain complete picture for an accurate assessment of underwriting risk To New Business - Identify missing information or additional information required to underwrite applications and advise New Business to gather the required information - Action application as per standards when New Business has updated the system with new information - Ensure system is clearly updated with decision including reinsurance and any applicable amendments, endorsements and/or special instructions To Reinsurers - Submit accurate information based on in force, initial and ultimate amounts on all facultative cases - Ensure that treaty terms all well understood - Ensure that all accepted offers are communicated in timely manner and files updated - Negotiate the most competitive decisions based on qualitative material information gathered and sound judgment To Actuarial - Liaise on reinsurance treaty terms - Liaise on all special quote requests - Liaise on illustrations as required - Liaise on Policy Changes as required and any special requests from Sales/Marketing Qualifications: Knowledge - Undergraduate degree - 5-10 years experience in an underwriting environment - ALU II – working towards F.A.L.U. Skills - Business Numeracy (In-depth) - Analytical skills (In-depth) - Negotiation skills (In-depth) - Bilingualism French and English is an asset - Communication Salary: $75,900.00 - $141,900.00 Pay Type: Salaried The above represents BMO Financial Group’s pay range and type. Salaries will vary based on factors such as location, skills, experience, education, and qualifications for the role, and may include a commission structure. Salaries for part-time roles will be pro-rated based on number of hours regularly worked. For commission roles, the salary listed above represents BMO Financial Group’s expected target for the first year in this position. BMO Financial Group’s total compensation package will vary based on the pay type of the position and may include performance-based incentives, discretionary bonuses, as well as other perks and rewards. BMO also offers health insurance, tuition reimbursement, accident and life insurance, and retirement savings plans. To view more details of our benefits, please visit: https://jobs.bmo.com/global/en/Total-Rewards About Us At BMO we are driven by a shared Purpose: Boldly Grow the Good in business and life. It calls on us to create lasting, positive change for our customers, our communities and our people. By working together, innovating and pushing boundaries, we transform lives and businesses, and power economic growth around the world. As a member of the BMO team you are valued, respected and heard, and you have more ways to grow and make an impact. We strive to help you make an impact from day one – for yourself and our customers. We’ll support you with the tools and resources you need to reach new milestones, as you help our customers reach theirs. From in-depth training and coaching, to manager support and network-building opportunities, we’ll help you gain valuable experience, and broaden your skillset. To find out more visit us at https://jobs.bmo.com/ca/en. BMO is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please contact your recruiter. Note to Recruiters: BMO does not accept unsolicited resumes from any source other than directly from a candidate. Any unsolicited resumes sent to BMO, directly or indirectly, will be considered BMO property. BMO will not pay a fee for any placement resulting from the receipt of an unsolicited resume. A recruiting agency must first have a valid, written and fully executed agency agreement contract for service to submit resumes.