Underwriter - Disability Insurance

Do you want to be part of a team that encourages your growth, supports your

ambitions and makes it a priority for you to reach your goals? Is helping people

part of who you are? At MassMutual, we help millions of people find financial

freedom, offer financial protection and plan for the future. We do this by

building trust with our customers by being knowledgeable problem solvers and

by prioritizing their needs above all else. We Live Mutual.

*POSITION IS 100% REMOTE/VIRTUAL* Work from home anywhere in the United

States  

The Opportunity

We are seeking a DI Underwriter to join our team!  You will be responsible for

working with our customers, agents and brokers during the individual disability

income insurance sales and service process.

The Team

Join a mission‑driven, fully remote team offering competitive pay and benefits from day one, with the flexibility to work from anywhere in the U.S.

It is an exciting time to be and underwriter at MassMutual!  MassMutual is going through a digital transformation while continuing to be a leading customer-

centric company.  The team is composed of underwriters supporting our

MassMutual Financial Advisors (MMFA) distribution channel. We support

MassMutual career agents, individual brokers and the consumers they serve. The team culture is collaborative, cross-functional, and uses old and new technologies combined with a work/life balance.

The Impact

We are looking for the right candidate to join our team. The chosen candidate

will be tasked with developing the skills needed to underwrite disability

insurance in a fast-paced diverse work environment that is inclusive and values

different experiences, backgrounds and knowledge. 

Roles and Responsibilities

• Evaluate and handle all underwriting aspects of disability insurance applications.

• Understand underwriting policies, guidelines, practices, and procedures.

• Determine whether to accept, modify, or decline a risk through evaluation of an individual's risk profile including medical history, occupational hazards, financial background, etc.

• Build trust by providing efficient, quality service to our MMFA agents, brokers, and field office staff.

• Communicate effectively with the field to explain underwriting decisions and facilitate placement of business.

• Tailor communication style to fit a variety of target audiences, foster relationships and facilitate placement of business.

• Collaborate with stakeholders to gather information necessary for decision-making and selecting profitable risks.

• Influence and champion changes to improve processes while maintaining morbidity expectations.

• Leverage interpersonal and emotional intelligence skills to develop relationships with key business partners across the competitive landscape.

• Work independently with minimal direction and be comfortable with ambiguity.

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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