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Td Bank Medical Insurance Underwriter - Bilingual French English Canada, Ontario, Markham 111155782
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.
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