About this role
Role Overview
Help advance AI insurance reasoning by creating and evaluating high-quality life insurance and annuity advisory, underwriting, and policy-service work. This role focuses on mortality risk, long-term guarantees, and suitability across realistic industry scenarios.
Key Responsibilities- Develop 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 expert-quality reference answers for life and annuity scenarios.
- Evaluate AI-generated responses using structured rubrics for product accuracy, suitability, mathematical correctness, and adequate disclosures.
- Identify unsupported illustration assumptions, unsuitable recommendations, product or tax-treatment confusion, and missed replacement or disclosure requirements.
- Provide written feedback to improve model behavior and participate in onboarding office hours and calibration sessions.
- At least 2 years of professional experience in life insurance or annuity advisory, underwriting, new business, policy administration, product, or suitability review.
- Experience with one or more product families: term, whole life, universal life, indexed universal life, variable life, or fixed, indexed, and variable annuities.
- Understanding of policy mechanics including cost of insurance, crediting, caps, participation rates, surrender charges, riders, and guarantees.
- Ability to explain tax treatment and suitability considerations, recognize when licensed or legal review is needed, and distinguish product or suitability judgment from investment, tax, and legal advice.
- Excellent written communication, quantitative care, and attention to detail.
- CLU, ChFC, FLMI, CFP, or a comparable designation.
- An active or previous 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.
- Remote role available to candidates in the United States, Canada, or the United Kingdom.
- Minimum commitment of 20 hours per week, with 40 or more hours preferred.
- Immediate start, with applications reviewed on a rolling basis.
- Eligible backgrounds include life and annuity producers, advisors, life underwriters, new-business and policy-service professionals, product specialists, and suitability or replacement reviewers from carriers, brokerage general agencies, IMOs, and independent practices.
- A flat $800 is paid upon successful completion of onboarding, estimated at approximately 10 hours.
- After successful onboarding completion, compensation is $80 per hour.