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.

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*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.

The Opportunity

• Become a part of a dynamic team that is helping Americans protect the ones they love
• Highly competitive pay & benefits on the first day
• 100% remote/virtual position - work from home anywhere in the US

The Team

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
• 3+ 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
• 5 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 the 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

#LI-Remote

#LI-JA1

Salary Range:

At MassMutual, we focus on ensuring fair equitable pay, by providing competitive salaries, along with incentive and bonus opportunities for all employees. Your total compensation package includes either a bonus target or in a sales-focused role a Variable Incentive Compensation component.

Why Join Us.

We’ve been around since 1851. During our history, we’ve learned a few things about making sure our customers are our top priority. In order to meet and exceed their expectations, we must have the best people providing the best thinking, products and services. To accomplish this, we celebrate an inclusive, vibrant and diverse culture that encourages growth, openness and opportunities for everyone. A career with MassMutual means you will be part of a strong, stable and ethical business with industry leading pay and benefits. And your voice will always be heard.

We help people secure their future and protect the ones they love. As a company owned by our policyowners, we are defined by mutuality and our vision to put customers first. It’s more than our company structure – it’s our way of life. We are a company of people protecting people. Our company exists because people are willing to share risk and resources, and rely on each other when it counts. At MassMutual, we Live Mutual.

MassMutual is an equal employment opportunity employer. We welcome all persons to apply.

If you need an accommodation to complete the application process, please contact us and share the specifics of the assistance you need.

At MassMutual, we focus on ensuring fair, equitable pay by providing competitive salaries, along with incentive and bonus opportunities for all employees. Your total compensation package includes either a bonus target or in a sales-focused role a Variable Incentive Compensation component. For more information about our extensive benefits offerings please check out our Total Rewards at a Glance.