Td Insurance Advisor jobs at Td Bank in Canada, Markham
Td Bank Medical Insurance Underwriter - Bilingual French English Canada, Ontario, Markham
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Department Overview
The Underwriting Department performs the mortality and morbidity risk assessment of both TD Life's Individual Insurance products and for the Bank's Creditor Insurance program, which is distributed through outbound calls, internet direct sales and through other channels of the Bank. 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 requires a minimum of 5 years medical underwriting and insurance experience or a degree/diploma in health sciences. The successful candidate must have an FLMI and ALU designations and working towards a FALU designation, and willing to continue with professional development by attending industry meetings. This position must work closely with other TD Insurance departments and our reinsurers.
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.
• Review, assess, analyze, and evaluate detailed medical and non-medical risks, determine mortality ratings and make substantiated logical final decisions.
• Decide and interpret MIB finds and determine required MIB coding subsequent to the final decision.
•Communicate/negotiatewith 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:
• AALU ALMI designations, Industry related courses and/or accreditations (LOMA/ALU).
• Minimum of 5 years Individual Life Insurance medical underwriting and a degree/diploma in Health Sciences or other medical background.
Other Qualifications, Skills and Experience:
*French and English language skills required
• 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.
• Assisting with the training and development of Junior Undewriters
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.
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.
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.
These jobs might be a good fit
Td Bank TD Insurance Advisor Canada, Ontario, Markham
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CUSTOMER
- Provide sound advice with every customer interaction, contributing to an exceptional customer experience
- Provide courteous, efficient, and professional customer service to ensure inquiries, advice and/or issues are managed promptly and effectively under all conditions
- Engage customers/partners in conversation to understand and by asking deeply curious and thoughtful questions to meet their current and future products/ advice and/or service needs by proactively providing them withinformation/advice/guidance
- Offer advanced knowledge and/or advice/guidance as it relates to their respective business area
- Ensure customer/partner problems are handled appropriately the first time, escalating issues when necessary
- Expected to meet the needs of customers/partners by offering advice/guidance based on their total financial situation and possessing a thorough knowledge of Customer/partner life cycle needs
- Identify cross-sell opportunities and/or refer customers/partners to internal Bank partners
SHAREHOLDER
- Contribute to the achievement of business objectives by proactively attracting, acquiring and retaining customers / advice opportunities and referrals, to increase profitability and enable business growth
- Promote and offer full suite of products, advice, services and banking capabilities
- Contribute to business objectives for Operational Excellence
- Support the timely and accurate completion of business processes and procedures
- Protect the interests of the organization – identify and manage risks, and escalate non-standard, high risk transactions / activities as necessary
- Ensure documentation that is prepared / completed is accurate and properly reflects client / business intentions and is consistent with relevant rules / regulations
- Identify, suggest and actively participate in process improvement opportunities
- Ensure necessary due diligence to support the accuracy of all customer transactions / activities
- Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts
- Maintain a culture of risk management and control, supported by effective processes in alignment with risk appetite
- Assume responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct
EMPLOYEE / TEAM
- Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest
- Support the team by continuously enhancing knowledge / expertise in own area and participate in knowledge transfer within the team and business unit
- Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques
- Participate in personal performance management and development activities, including cross training within own team
- Keep others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities
- Contribute to the success of the team by willingly assisting others in the completion and performance of work activities; provide training, coaching and/or guidance as appropriate.
- Contribute to a fair, positive and equitable environment that supports a diverse workforce
- Act as a brand champion for your business area/function and the bank, both internally and/or externally
BREADTH & DEPTH
- Requires specialized expertise to provide customer /partner support on complex transactions, activities and product feature advice and guidance
- Provide exceptional inbound and/or outbound advice and/or service support to customers/partners on a range of moderate to high complexity financial products and services
- Acts as an advice process/product expert to customers and/or internal partners
- Identifies complex problems and formulates the most appropriate solution and escalates if necessary
- Uses insights into how the team integrates with other teams to coordinate efforts and resources to achieve shared objectives
- Has direct impact on the quality of the duties performed, or services provided, to the advice team and the unit supported
- Implements advice and customer service procedures and approaches to complete work
- Requires tact to exchange ideas and customer information in a concise and logical way; handling of sensitive customer information and resolution of exceptions
- Generally requires specific formal certifications at this level of expertise
- Generally reports to a Team Manager
EXPERIENCE & EDUCATION
- Undergraduate degree and/or
- 2+ years relevant experience
- NOTE: Roles within this job family may require various accreditations and/or licenses based on the business supported and/or regulatory requirements
– please ensure you are able to meet the scheduling requirements when applying
- Start Dates: May-July 2025
- Training : 10 week mandatory training program
- Schedule : Must be available until 8pm weeknights and Saturdays
- Hybrid role 2 days/week on site
Aperçu du service
Nous prenons soin des familles canadiennes en leur permettant d’obtenir facilement des conseils, une protection et un soutien hors pair lorsqu’elles en ont besoin, en tout temps. Vous serez la voix de la TD. À ce titre, vous devrez avoir à cœur de comprendre nos clients. Vous offrirez en tout temps un service à la clientèle légendaire en proposant à chaque personne qui appelle des solutions adaptées à ses besoins uniques en assurance .
Votre rôle
En tant que voix de la TD, vous aurez à cœur de comprendre nos clients tout en leur offrant des conversations et des conseils axés sur la valeur. Que vous aidiez les personnes qui appellent à acheter leur première propriété ou leur premier véhicule, ou pour répondre à des questions complexes sur des polices d’assurance existantes, vous nous aiderez à offrir une assistance de confiance à nos clients chaque fois qu’ils en ont besoin. Vous offrirez en tout temps un service à la clientèle légendaire en proposant à chaque personne qui appelle les solutions adaptées à ses besoins uniques en assurance.
En tant que précieux membre de l’équipe du Centre de contact, vous devrez :
- Offrir une expérience unique au client : vous devez miser sur votre connaissance des produits, services et solutions de la TD pour offrir un soutien amical et une expérience en service à la clientèle exceptionnelle, basée sur une relation approfondie avec les clients et des conversations axées sur des conseils qui leur apportent de la valeur.
- Résoudre efficacement les problèmes : vous devez poser des questions aux clients et gérer leurs préoccupations avec empathie pour régler leurs problèmes au premier point de contact.
- Atteindre vos objectifs : vous devez sans cesse atteindre vos objectifs de rendement, y compris en ce qui a trait aux résultats du sondage sur l’expérience client, aux conseils et à la qualité, à la conformité réglementaire et à la productivité.
- Apprentissage permanent : vous devez prendre une part active dans votre formation continue et aux séances de coaching pour poursuivre votre perfectionnement et progresser dans votre rôle.
Votre lieu de travail
Après la formation en personne et les séances d’intégration, le poste fonctionne selon un modèle de milieu de travail hybride, associé à une combinaison d’activités collaboratives et indépendantes. Vous devrez travailler dans les établissements de la TD au moins deux jours par semaine et vous aurez la possibilité de travailler depuis votre bureau privé et sécurisé à domicile, répondant aux exigences minimales requises (p. ex : internet haut débit, etc.) les autres jours. Veuillez noter que les détails du modèle hybride peuvent changer en fonction des besoins/exigences de l’entreprise. Votre responsable du recrutement vous donnera d’autres renseignements à ce sujet dans le contexte de votre équipe.
Capacités et aptitudes requises
Nous sommes fiers de travailler avec une diversité de collègues. Si vous avez une expérience pertinente autre que celles mentionnées ci-dessous, faites-nous-en part dans votre curriculum vitae ou votre lettre d’accompagnement.
- Études postsecondaires ou expérience pertinente
- Exigences minimales en matière de scolarité (Québec SEULEMENT) : Diplôme d’études secondaires ou niveau d’études équivalent et décision de l’AMF reconnaissant au moins trois ans d’expérience de travail à temps plein.
- Disponible pour travailler du lundi au vendredi entre 8 h et 23 h et le samedi entre 9 h et 18 h
- Compétences exceptionnelles en écoute et volonté d’aider les clients à répondre à leurs besoins et à résoudre leurs préoccupations au moyen de conversations et conseils axés sur la valeur. (Préférence accordée aux personnes ayant de l’expérience dans les secteurs des services financiers ou des services.)
- Capacité à mener plusieurs tâches de front et à naviguer dans des systèmes informatiques, des applications ou entre des écrans multiples avec rapidité et exactitude tout en ajustant votre performance pour atteindre une variété de paramètres.
- Maîtrise numérique d’un large éventail d’appareils (p. ex., téléphones intelligents, tablettes, ordinateurs portables et casque d’écoute).
- Capacité à faire preuve de souplesse, de résilience et de positivisme dans votre façon de gérer les difficultés.
- Capacité à travailler aussi bien de façon autonome qu’en équipe.
- Capacité à gérer les renseignements confidentiels des clients avec intégrité et en conformité avec les lignes directrices en matière de réglementation et de conformité dans le secteur du service et des pratiques de vente.
- Capacité à communiquer efficacement avec les clients et les collègues, verbalement et par écrit.
- Assurance générale (p. ex. permis autre que pour l’assurance vie en Ontario) ou un permis dans votre province de résidence est un atout.
En tant que partie intégrante du Groupe Banque TD, l’une des institutions financières les plus importantes du Canada, nous prenons soin des familles canadiennes en leur permettant d’obtenir facilement les meilleurs conseils, une protection et un soutien hors pair lorsqu’elles en ont besoin, en tout temps.TD Assurance offre une vaste gamme de produits, y compris les assurances générales et Vie et Santé. Plus de quatre millions de clients nous font confiance.En tant que plus important assureur offrant des produits destinés directement aux consommateurs au Canada, nous innovons sans cesse et offrons des possibilités de carrière passionnantes et gratifiantes à notre personnel dans l’ensemble du pays.
Notre programme de rémunération globale reflète les investissements que nous faisons pour aider nos collègues et leur famille à atteindre leurs objectifs en matière de bien-être mental, physique et financier. La rémunération globale à la TD inclut le salaire de base, la rémunération variable et bien d’autres régimes clés, comme des avantages sociaux en matière de santé et de bien-être, des régimes d’épargne et de retraite, des congés payés, des avantages bancaires et des rabais, des occasions de développement de carrière et des programmes de récompenses et reconnaissance.
Nous sommes ravis que vous envisagiez une carrière à la TD. Sachez que nous avons à cœur d’aider nos collègues à réussir dans leur vie tant personnelle que professionnelle. C’est d’ailleurs pourquoi nous leur offrons des conversations sur le perfectionnement, des programmes de formation et un régime d’avantages sociaux concurrentiel.Nous tenons à nous assurer que vous disposez des outils et ressources nécessaires pour réussir à votre nouveau poste. Dans cette optique, nous organiserons des séances d’intégration et de formation.
Nous communiquerons avec les candidats sélectionnés pour planifier une entrevue. Nous ferons notre possible pour communiquer par courriel ou par téléphone avec tous les candidats pour leur faire part de notre décision.
virtuelles, etc.)dont vous pourriez avoir besoin pour participer sans entraves au processus d’entrevue.
Aider à changer les choses dans nos collectivités – La promesse TD Prêts à agir
À la TD, nous avons un engagement de longue date à bâtir un avenir plus inclusif et durable. C’est la raison pour laquelle nous avons lancé en 2018 La promesse TD Prêts à agir, qui est maintenant un projet nord-américain pluriannuel. Dans le cadre de La promesse TD Prêts à agir, nous visons un total de un milliard de dollars de dons aux collectivités d’ici 2030 dans quatre vecteurs clés de changement interreliés : Sécurité financière, Planète dynamique, Collectivités inclusives et Meilleure santé. Notre objectif est de soutenir le changement, de favoriser le progrès et de créer un monde meilleur et plus inclusif pour nos clients, nos collègues et nos collectivités.
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.
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.
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.
These jobs might be a good fit
Share
Department Overview
The Underwriting Department performs the mortality and morbidity risk assessment of both TD Life's Individual Insurance products and for the Bank's Creditor Insurance program, which is distributed through outbound calls, internet direct sales and through other channels of the Bank. 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 requires a minimum of 5 years medical underwriting and insurance experience or a degree/diploma in health sciences. The successful candidate must have an FLMI and ALU designations and working towards a FALU designation, and willing to continue with professional development by attending industry meetings. This position must work closely with other TD Insurance departments and our reinsurers.
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.
• Review, assess, analyze, and evaluate detailed medical and non-medical risks, determine mortality ratings and make substantiated logical final decisions.
• Decide and interpret MIB finds and determine required MIB coding subsequent to the final decision.
•Communicate/negotiatewith 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:
• AALU ALMI designations, Industry related courses and/or accreditations (LOMA/ALU).
• Minimum of 5 years Individual Life Insurance medical underwriting and a degree/diploma in Health Sciences or other medical background.
Other Qualifications, Skills and Experience:
*French and English language skills required
• 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.
• Assisting with the training and development of Junior Undewriters
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.
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.
We will provide training and onboarding sessions to ensure that you’ve got everything you need to succeed in your new role.
These jobs might be a good fit
