Underwriter - Disability Insurance

The Opportunity

This role is designed for an experienced Individual Disability Income (DI) Underwriter who values sound judgment, decision‑making authority, and meaningful work. You’ll underwrite complex DI cases end‑to‑end, partnering closely with the field while maintaining the independence required to make quality, sound decisions. The work is fast‑paced, varied, and rooted in strong underwriting fundamentals—balanced with real autonomy and trust in your expertise.

100% remote — work from anywhere in the U.S.

The Team

You’ll join a close‑knit, experienced DI underwriting organization where collaboration is real—not performative. Underwriters here lean on one another, share perspective, and respect differing approaches to risk. Our culture supports resilience, open communication, and comfort with ambiguity.

We’re in the midst of a broader digital transformation, including a future underwriting system upgrade. Transparency matters to us, and so does investing in the long‑term evolution of how underwriting gets done.

The Impact

Your work directly influences outcomes—for customers, distribution partners, and the business. Your underwriting judgment will be heard, respected, and relied upon. This is a role for underwriters who want to continue sharpening their craft, stay close to the work, and grow through complexity—while being supported by leadership that understands DI underwriting and values long‑term expertise.

Key Responsibilities

• Underwrite individual disability income cases end‑to‑end, applying sound judgment to accept, modify, or decline risk across medical, occupational, and financial dimensions.

• Partner closely with agents, brokers, and field partners to clearly explain decisions and facilitate thoughtful placement of business.

• Balance quality underwriting decisions with service expectations, exercising discretion in a fast‑paced environment.

• Collaborate with peers and stakeholders to gather information, assess risk, and continuously improve underwriting outcomes and processes.

• Demonstrate the ability to work independently amid ambiguity while contributing to a collaborative, relationship‑driven underwriting culture.

The Minimum Qualifications

• High school diploma or GED

• 2+ years of proven success underwriting disability insurance in a fast-paced work environment.

• $7K+ approval authority in disability insurance underwriting.

The Preferred Qualifications

• Bachelor’s degree

• 3 Years+ of proven success underwriting individual disability insurance in a fast-paced work environment

• Approval limits of $10K+ IDI, $15K+ BOE, $250K+ Buy/Sell without a second signature

• Exams completed toward industry designations i.e., DIA/DIF, AALU/FALU, FLMI, etc.

• Thorough knowledge of all aspects of risk selection (medical, non-medical, financial).

• Excellent understanding of key underwriting concepts, best practices and in the implementation of necessary risk management controls

• Thorough knowledge of underwriting administrative systems, product rules, guidelines and medical factors impacting morbidity with a keen ability to position the underwriting decision to the field

• Ability to think critically and problem solve using data to drive toward resolution

• Technological/digital savvy with high intellectual curiosity

• Demonstrated track record of working with minimal supervision, being a self-starter and working with others in a team environment

• Proven customer service and communication skills

• Positive, inclusive, agile, and collaborative mindset

• Strong verbal and written communication skills

• Flexibility to handle changing priorities

• Collaborative team player with ability to contribute to a positive work environment

What to Expect as Part of MassMutual and the Team 

• Regular meetings with the DI Underwriting Team

• Focused one-on-one meetings with your manager

• Networking opportunities including access to Asian, Hispanic/Latinx, African American, women, LGBTQ, veteran and disability-focused Business Resource Groups

• Access to learning content on Degreed and other informational platforms

• Your ethics and integrity will be valued by a company with a strong and stable ethical business with industry leading pay and benefits 

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