Little introduction to myself: I'm a 4th year student, graduating from a university in Canada at the end of this year (December 2020). I wrote my first 4 exams back in 2018, and have secured 5 internships during my university career. 2 of them were at large life companies here in Canada, 1 of them was for growing P&C company in Canada, 1 of them was for a large global reinsurance company, and the last one was for a health insurance company in the USA.
Right now I have a return offer for the health insurance company, but have a significant chance of returning to the companies I interned at as well. Pre-pandemic, I would have loved to live in the USA and would have accepted that offer on the spot. Unfortunately, the pandemic (paired with political/social unrest) in the USA has exposed many problems in the country, and has made it a much less desirable place to live long term. Of course, the one benefit is that the pay is much higher there, which is amplified by the 1.3 conversion into CAD.
I'm currently conflicted where I want to end up. The life insurance industry is pretty stagnant, but I love both the P&C and health insurance industries. For me, choosing a full time role comes down to the 4 C's. Cash, content, culture & career path, with the last two being the most important. I was hoping to get some peoples thoughts on moving to the US during this time, as well as seeking interesting opportunities in Canada that is outside of the traditional large life insurer (manu, sun, CL, etc).