Life & Annuity Specialist Expert

About the job

Mercor connects elite creative and technical talent with leading AI research labs. Headquartered in San Francisco, our investors include Benchmark , General Catalyst , Peter Thiel , Adam D'Angelo , Larry Summers , and Jack Dorsey .

Position: Life & Annuity Specialist

Type: Contract

Compensation: $80/hour

Location: Remote

Commitment: 20+ hours/week

Role Responsibilities

• Design realistic scenarios involving needs analysis, product selection, illustrations, medical and financial underwriting, table ratings, replacements, and 1035 exchanges.
• Create work products such as coverage recommendations, illustration comparisons, underwriting assessments, suitability rationales, replacement analyses, and policy-service determinations.
• Write "golden" reference responses at experienced life and annuity practitioner quality.
• Grade AI-generated responses against structured rubrics for product accuracy, suitability, mathematical correctness, and disclosure adequacy.
• Identify unsupported illustration assumptions, unsuitable recommendations, confusion between product types or tax treatments, and failures to apply replacement or disclosure requirements.
• Provide written feedback to the research team to improve model behavior.

Qualifications

Must-Have

• 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, such as term, whole life, universal or indexed universal life, variable life, or fixed, indexed, and variable annuities.
• Understanding of policy mechanics (cost of insurance, crediting, caps and participation rates, surrender charges, riders, and guarantees) and their impact on long-term outcomes.
• Ability to explain tax treatment and suitability considerations clearly and recognize when licensed or legal review is required.
• Excellent written communication, quantitative care, and high attention to detail.
• Ability to distinguish product and suitability judgment from investment advice and formal tax or legal advice.

Preferred

• CLU , ChFC , FLMI , CFP , or comparable designation.
• 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.

Start Date

• Immediate start; applications reviewed on a rolling basis.

Compensation & Legal

• Hourly contractor , Paid weekly via Stripe Connect .

Application Process (Takes 20–30 mins to complete)

• Upload resume
• AI interview based on your resume
• Submit form

Resources & Support

• For details about the interview process and platform information, please check:
• For any help or support, reach out to: [email protected]

PS: Our team reviews applications daily. Please complete your AI interview and application steps to be considered for this opportunity.