About this role
Apply life insurance and annuity expertise to create and evaluate high-quality insurance reasoning work that improves advanced AI systems. This remote opportunity focuses on realistic advisory, underwriting, and policy-service scenarios involving mortality risk, long-term guarantees, and suitability.
Role Overview
You will develop practitioner-quality reference materials, assess AI-generated responses against industry standards, and provide written feedback to help improve insurance reasoning.
Key Responsibilities
- Design realistic scenarios covering needs analysis, product selection, illustrations, medical and financial underwriting, table ratings, replacements and 1035 exchanges, policy loans, surrenders, lapse, and reinstatement.
- Create coverage recommendations, illustration comparisons, underwriting assessments, suitability rationales, replacement analyses, and policy-service determinations.
- Write reference responses that reflect experienced life and annuity practitioner standards.
- Evaluate AI responses using structured rubrics for product accuracy, suitability, mathematical correctness, and adequacy of disclosures.
- Identify unsupported illustration assumptions, unsuitable recommendations, product-type or tax-treatment errors, and missed replacement or disclosure requirements.
- Provide written feedback used to improve model behavior.
- Participate in onboarding office hours and calibration sessions.
Qualifications
- At least 2 years of professional experience in life insurance or annuity advisory, underwriting, new business, policy administration, product, or suitability review.
- Experience with at least one product family, including term, whole life, universal life, indexed universal life, variable life, or fixed, indexed, and variable annuities.
- Understanding of how cost of insurance, crediting, caps, participation rates, surrender charges, riders, and guarantees affect long-term outcomes.
- Ability to clearly explain tax treatment and suitability considerations and recognize when licensed, legal, or other formal review is needed.
- Excellent written communication, quantitative care, and attention to detail.
- Ability to distinguish product and suitability judgment from investment advice and formal tax or legal advice.
Preferred Qualifications
- CLU, ChFC, FLMI, CFP, or a comparable designation.
- An active or previously held life and health producer license or securities registration.
- Medical or financial life underwriting experience, including APS review, lab interpretation, or reinsurance referral.
- Experience with buy-sell, key-person, estate-planning, premium-finance, or executive-benefit cases.
- Experience with suitability, Reg BI, or state replacement and disclosure review.
Work Terms
- Remote, open to candidates in the United States, Canada, or the United Kingdom.
- Per-task engagement.
- Minimum commitment of 20 hours per week, with 40 or more hours per week preferred.
- Work begins immediately, and applications are reviewed on a rolling basis.
Compensation
$800 per task.