Sophie Clement

Business Development:

• Building strong relationships and connections with key decision makers and influencers at client companies and prospects, aiming to become the go-to reinsurer in the Canadian Life insurance market for SCOR's clients. This includes a wide range of contacts from executives, to pricing, product development, underwriting and claims functions.
• Assisting in the determination, development and execution of SCOR's strategic plan and initiatives
• Providing technical, market and business expertise to the Pricing, Underwriting and Claims functions
• Ensuring SCOR'S constant presence and visibility in the Canadian Life insurance industry
• Leading or actively contributing to the management of Request for Proposals from clients
• Building strong relationships and collaboration with global internal SCOR colleagues and stakeholders from various functions and jurisdictions, ensuring that the Canadian SCOR team brings best-in-class solutions to its clients and contributes to the SCOR Group's general knowledge base
• Continuing to pursue strong industry engagement efforts, being involved in the CLHIA CI Benchmark Definitions committee as a leading voice, an active member of the Canadian Living Benefits Seminar committee, and a board member of the Academy of Life Underwriting. Was Editor-in-Chief of On The Risk magazine in 2023 and Administrative Editor in 2022.
• Promoting SCOR's expertise and product development capabilities via various industry presentation engagements, i.e. CLHIA claims conferences, ALU webinar (North America), and MGA (Groupe Cloutier). Upcoming presentation at CIA Annual Conference and return engagements at MGA (Groupe Cloutier) and CLHIA Claims Conference.
• Publication of two articles in On The Risk industry magazine relating to Critical Illness insurance

CI REimagined:

• Ideation, design and leadership of game-changing industry consultation project. This initiative has had a direct impact in building SCOR's reputation in today's Canadian market, resulting in an overall jump in visibility and credibility. This has resulted not only in SCOR gaining traction in the Critical Illness insurance environment, but also in the company gaining Life insurance shares because of the renewed perception of SCOR as a product development expert and an innovative partner.
• This initiative was also an opportunity to bring various internal team members together with a common goal (Business Development, Pricing, Underwriting and Claims). It has contributed to creating a better alignment amongst the teams.
• Organized, oversaw and participated in 2022 CI REimagined seminar which was considered a huge success both internally and by clients
• CI REimagined was started in 2020 and is still ongoing, creating traction and stickiness with clients.
• The impact of CI REimagined has had a direct and positive impact on SCOR's NMG results in both 2022 and 2023.

Support and Collaboration with Underwriting and Claims:

• Providing ongoing guidance and support for AVP, Claims and for Disability insurance underwriters
• Acted as lead consultant for the review of Critical Illness insurance internal underwriting guidelines (SOLEM)
• Conducted two unofficial Disability underwriting audits on behalf of the Chief Underwriter. One for internal purposes to assess the quality of SCOR's underwriting practices and the other for a client in order to assess a potential change in practices. Co-presented the results of the audit to the client and participated in ensuing discussion.
• Participated in building and delivering Disability financial underwriting training sessions for underwriters at a client company
• Lead review of Disability underwriting procedures for underwriters at a client company

• Leveraging a deep understanding of the market, responsible for managing and contributing to the development of innovative Living Benefits solutions, including product design, underwriting and claims, for both Individual and Group insurance
• Product development, including contract wording and underwriting approach
• Primary contact to clients during product development process
• Acting as liaison ensuring optimal collaboration between pricing, underwriting, claims, legal, and chief medical officer
• Presentations at industry conferences
• Participation to the CLHIA Benchmark Critical Illness Definitions Working Group and chair of the cancer definition sub-committee
• Close collaboration with global industry partners across various disciplines (product, pricing, medical directors)

Individual and Group Reinsurance:

• Built and managed team of Living Benefits underwriters
• Development of the overall underwriting philosophy for Living Benefits products
• Oversaw and participated in complete review and update of the medical Life and Living Benefits underwriting guidelines
• Review of underwriting applications, questionnaires and other underwriting tools such as occupation guides
• Review of underwriting Age & Amount requirements and of Issue & Participation Limits
• Client audits
• Training of external and internal partners
• Presentations at industry conferences
• Won "Most client-focused" award (across all RGA offices)
• Publication of an article in the magazine On The Risk (OTR): A Guide to Simplified Underwriting

• Long term care insurance subject matter expert
• Management of escalated cases
• Contestability review of claims received during the contestable period
• Underwriting guidelines updates

• Contestability review of Disability and Critical Illness insurance claim cases received during the contestable period
• Development and upkeep of underwriting guidelines and philosophy
• Training and co-signing of junior underwriters
• Living Benefits subject matter expert (Disability, Critical Illness, and Long Term Care insurance)

• Medical and financial underwriting of Disability and Critical Illness insurance

• Medical and financial underwriting of Life, Disability and Critical Illness insurance