LTC Actuary- Inforce Management

The Opportunity

MassMutual is looking for an experienced actuary to join our LTC Inforce Management team. In this role, you’ll help shape strategy and financial performance for our long-term care (LTC) products, collaborating across actuarial, finance, product, and regulatory teams to ensure our inforce management approach supports MassMutual’s long-term goals.

The Team

You’ll join a group responsible for the actuarial oversight of our individual stand‑alone LTC products and hybrid LTC riders. The team drives key inforce management activities, including repricing, regulatory testing and filings, dividend analysis, wellness program evaluation, and other strategic initiatives that enhance financial outcomes and customer value.

Your Impact

In this role, you’ll help guide the financial health and long‑term performance of MassMutual’s LTC products. You’ll blend actuarial expertise with strategic thinking—analyzing data, navigating regulatory requirements, identifying risks, and offering insights that shape product decisions and support our customers. Your work will directly influence pricing, compliance, wellness programs, and broader inforce initiatives across the organization. Your responsibilities will include but not be limited to the following:

• Support regulatory requirements such as annual rate certifications and illustration testing
• Contribute to annual LTC dividend analysis
• Oversee and analyze LTC wellness program results, providing insights and recommendations
• Identify inherent product risks and develop strategies to manage and mitigate those risks
• Perform sensitivity analyses on key assumptions and explain implications to stakeholders
• Extract meaningful insights from data/models and present complex information clearly
• Partner with the broader Profitability Management & Strategy team on cross‑functional initiatives
• Support additional LTC inforce and strategic initiatives as needed
• Promote continuous improvement by challenging existing processes, offering new perspectives, and championing innovation

Minimum Qualifications

• Bachelor’s degree in Actuarial Science or related field
• Associate of the Society of Actuaries (ASA)
• 5+ years of actuarial experience
• 1+ year of life or health insurance experience

Ideal Qualifications

• Fellow of the Society of Actuaries (FSA) and MAAA
• Experience with LTC products
• Qualification to sign actuarial opinions for LTC, disability income, chronic illness, or accident products
• Experience with state filings, rate filings, and regulatory responses
• Strong communication skills and ability to work with technical and non‑technical partners
• Demonstrated analytical thinking, problem‑solving ability, and comfort navigating complexity
• Self‑motivated, curious, and proactive in exploring solutions and driving improved outcomes

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