Individual Life Insurance Medical Underwriter - French and English Bilingualism

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* Work Location:

** Markham, Ontario, Canada
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* Hours:

** 37.5
** Line of Business:
** TD Insurance
** Pay Details:**$59,500 - $84,000 CADTD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience  compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.

As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
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* Job Description:

**** 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 experience and/or a degree/diploma in health sciences. The successful candidate should be working towards getting their an ALU, FLMI and FALU designations, 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/negotiate with 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*
* -English and French Bilingualism Specific

Education:

• AALU ALMI designations, Industry related courses and/or accreditations (LOMA/ALU) is an asset.
• Minimum of 5 years Individual Life Insurance medical underwriting and/or a degree/diploma in Health Sciences or other medical background. Other Qualifications,

Skills and Experience:

• Solid knowledge of underwriting function; sound understanding of Company's various business operations.
• 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 Underwriters #LI-TDI and #IN-TDI
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* Who We Are:

** TD is one of the world's leading global financial institutions and is the…