Financial & Actuarial Analyst (Risk Modeling Project)

Organization: Right to Live Canada
Position: Volunteer Analyst, Financial De-Risking Model
Time Commitment: Flexible, project-based (remote)

About Right to Live Canada
Right to Live Canada is a nationally registered, non-profit organization dedicated to addressing a critical, emerging systemic issue in Canada: poverty driven euthanasia amongst Canadians with disabilities.
Our work is analytical, apolitical, and solution-focused. We aim to provide a solution to the systemic gap where MAID assessors lack tangible, resourced alternatives to offer when a person's "intolerable suffering" is driven by socioeconomic deprivation (lack of housing, income, or support) rather than medical pathology.

The Project: Quantifying a New Systemic Risk
We are assembling a specialized working group of financial, actuarial, and risk professionals. The mission is to author an "insurance industry quality" report that models a significant, uncalculated financial liability for the Canadian life insurance sector.
This risk is created by the intersection of two independent policies:
MAID Legislation (Bill C-7): Expanded MAID access in 2021 to include individuals with non-terminal disabilities.
Insurance Industry Policy: The established industry stance that a legal MAID procedure is not "suicide," meaning the standard two-year suicide exclusion clause on new policies does not apply.
This convergence has unintentionally created a new pathway to a full policy payout, driven by poverty-related suffering. This represents a novel and growing financial liability for insurers that demands quantification.

The Team's Mandate
Our organization has engineered a preventative intervention: a bespoke, fully-funded support plan designed to alleviate the specific socioeconomic suffering that drives these MAID requests. We have also designed a competitive funding model to finance these interventions.
Your working group will be tasked with modeling the definitive financial case for an insurer to fund these plans. The final report will answer two core questions from an insurer's perspective:
General Risk Mitigation: What is the optimal, ROI-positive financial contribution for an insurer to fund these preventative support plans as a general de-risking strategy (i.e., replacing a large, unpredictable liability with a smaller, fixed, and tax-deductible cost)?
Targeted De-Risking: Within our competitive funding model, what is the optimal bidding strategy for an insurer to treat the funding of a specific intervention as a direct financial transaction to neutralize a high-cost liability?

Ideal Candidate Profile
This is a high-impact, strategic project. We are seeking top-tier professionals who thrive on complex, data-driven challenges:
Actuaries (especially with life insurance or risk modeling experience)
Financial Analysts (CFA, quantitative analysts, or equivalent)
Risk Managers or Underwriters
Economists (Health, Behavioral, or Micro)

Why Volunteer?
Solve a "First Principles" Problem: Apply your professional skills to a complex, high-impact humanitarian and financial challenge that no one else is addressing at this level.
High-Impact Output: Co-author a groundbreaking report designed to inform financial strategy at the highest levels of the Canadian insurance and regulatory sectors.
A Unique Team: Join a solution-oriented, apolitical "engineering" team focused on building a functional solution, not just advocacy.

To Apply
Please send a brief expression of interest and your CV or LinkedIn profile to volunteer@righttolive.ca with the subject line "Financial Modeling Working Group."