KAREN CUTLER MBA, FALU, FLMI

Karen oversees individual insurance underwriting and recently assumed responsibility for the claims team including life, living benefits, health & dental and travel insurance. She’s been with Manulife for 15 years and has implemented many industry leading underwriting developments including an artificial intelligence underwriting model (AIDA), fluid free Accelerated underwriting, reduced evidence requirements and insuring people who are HIV positive. She works closely with pricing, product and advanced analytics teams to drive improvements in underwriting processes and the customer buying experience.

Karen is active in the insurance industry having spoken at several industry meetings in Canada and the US including CALU. She has served on many industry committees and was 2014 Chair of the Canadian Reinsurance Committee, she is currently Chair of the CLHIA Committee on Underwriting Issues.

Before joining Manulife, Karen had various senior leadership roles in underwriting including Chief Underwriter for Swiss Re in Canada and the Caribbean.