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 Mass Mutual, 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

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.

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 an underwriter at Mass Mutual! Mass Mutual is going through a digital transformation while continuing to be a leading customer‑centric company. The team is composed of underwriters supporting our Mass Mutual Financial Advisors (MMFA) distribution channel.

We support Mass Mutual 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.

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.

• 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.

• 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.

• 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…