Mutual Opportunities
Underwriting Consultant - Disability Insurance
Remote - US
Thank you to our employees for voting us one of the top places to work in Massachusetts for seven consecutive years!
Overview
At MassMutual, you’ll join a collaborative and forward-thinking team of underwriters from various backgrounds and areas of product expertise, who are motivated to shape the underwriting landscape. We combine ongoing digital transformation and robust risk-assessment with an enduring commitment to being a leading customer-centric company.
As a team, we are dedicated to inclusivity. We show courage and professionalism when advocating for projects that move the business forward and present healthy challenges to the status quo. As a company, we take a holistic and flexible approach to compensation and benefits. In short, we never settle for yesterday’s great things being our greatest.
“At MassMutual, our culture embraces the power of collaboration and forward-thinking. Our underwriters, from different backgrounds and product areas, come together in their drive to shape the experience for our field partners. This emphasis on culture and field experience means that, on our team, accountability, agility, relationship skills, and strong business acumen are vital. Most importantly, we put our policyowners, clients, financial professionals, and employees at the center of everything we do.”
Job Description
*POSITION IS 100% REMOTE/VIRTUAL* Work from home anywhere in the United States
The Opportunity
We are looking for an experienced Disability Income Underwriting Consultant to join our team, tasked with underwriting disability insurance in a fast-paced diverse work environment that is inclusive and values different experiences, backgrounds, and knowledge.
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 an underwriter at MassMutual! MassMutual is going through a digital transformation while continuing to be a leading customer-
centric company. 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:
- Own the end-to-end underwriting process for Disability Insurance applications, analyzing each case holistically to drive confident, well-informed decisions.
- Assess and balance medical history, occupational risk, financial background, and overall case dynamics to determine approval, modification, or declination.
- Deliver the best offers first, focusing on solutions that accelerate placement and support successful sales—not just decisions.
- Serve as a trusted underwriting partner to third-party firms, their staff, and advisors by providing timely, high-quality, and solutions-oriented service.
- Clearly and confidently communicate underwriting outcomes to customers and advisors, helping move business forward with transparency and trust.
- Apply deep knowledge of underwriting guidelines, policies, and practices while exercising sound judgment beyond the checklist.
- Champion process improvements and modernization efforts, influencing positive change while maintaining strong morbidity and risk expectations.
- Adapt communication style to meet the needs of diverse audiences, building strong relationships with advisors and third-party partners.
- Collaborate cross-functionally with internal and external stakeholders to gather critical insights and select profitable, well-structured risks.
- Provide consultative support to third-party firms, helping them navigate complex risk scenarios and underwriting considerations.
- Leverage emotional intelligence and relationship-building skills to strengthen partnerships and elevate underwriting credibility in a competitive market.
- Work independently with confidence, navigating ambiguity and managing assigned cases with minimal oversight.
- Earn trust and build lasting rapport with colleagues, business partners, and third-party customers.
- Coach and mentor less experienced underwriters, contributing to team growth, knowledge sharing, and underwriting excellence.
The Minimum Qualifications
- High school diploma or GED
- $10K approval authority in disability insurance underwriting
- 7+ years of disability insurance underwriting
The Preferred Qualifications
- Bachelor’s degree
- 8+ years of Disability Income underwriting experience
- Authority to approve $15K+ IDI, $20K+ Business Overhead Expense, and $500K Buy‑Sell cases without second signature
- Demonstrated success underwriting in a fast‑paced, high‑volume environment
- Experience underwriting through third‑party distribution, banks, or wirehouse channels
- Completion of relevant industry designations/exams (e.g., ALU 101/201/202, LOMA, ALMI, FMLI, ALU, FALU, DIA, DIF)
- Expert knowledge of risk selection, including medical, non‑medical, and financial factors
- Strong command of underwriting principles, best practices, and risk management controls
- Deep understanding of underwriting systems, product rules, guidelines, and medical factors impacting morbidity; ability to effectively position decisions with brokers and sales partners
- Proven ability to work independently with minimal supervision while collaborating effectively in a team environment
- Strong critical thinking and data‑driven problem‑solving skills
- Positive, inclusive, agile, and collaborative mindset
- Excellent verbal and written communication skills
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-JA1
#LI-Remote
If you need an accommodation to complete the application process, please contact us and share the specifics of the assistance you need.
California residents: For detailed information about your rights under the California Consumer Privacy Act (CCPA), please visit our California Consumer Privacy Act Disclosures page.
MassMutual will accept applications on an ongoing basis until such time as a candidate has been offered employment. The job description includes the main duties of this position, which may evolve over time. You may be required to perform other duties not listed.
It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment.
Salary Range: $115,900-$152,100
Hiring Process
Explore
Explore our open jobs by clicking 'search jobs' to find a position that aligns with your experience and skills. You may also consider joining our Talent Network.
Apply
Click the “apply” button on that job posting to complete and submit your application. Your application will be reviewed by a recruiter, which, due to the volume of applications received, may take some time as we carefully consider each application.
Screen
After your application has been reviewed, if you meet the qualifications for the role, a recruiter will reach out to you to start a conversation.
Interview
If you are invited for an interview, you will be scheduled to meet with the hiring manager and hiring team.
Offer
If you are extended an offer to join MassMutual and accept, your start will be contingent upon a satisfactory background check.
Hire
If you accept the offer, we will be so excited to welcome you to the MassMutual community!
If you need an accommodation to complete the application process, please contact us and share the specifics of the assistance you need.
By the numbers*
- 85% of employee respondents say they are proud to work at MassMutual
-
90
% of employee respondents say the work they do at MassMutual is meaningful - 85% of employee respondents say they feel encouraged to come up with new and better ways of doing things
*Source: 2025 MassMutual employee engagement survey
Award-Winning Culture
MassMutual is guided by a single purpose: We help people secure their future and protect the ones they love. As a company operated for the benefit of our members and participating policyowners, we are defined by mutuality and our vision to provide financial well-being for all Americans. 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.
We strive to build a thriving community where everyone is valued, included, and feels that they belong.
At MassMutual, we Live Mutual.
How We Work
MassMutual’s flexible workplace approach combines the importance of connecting in person and the flexibility of working remotely. Our hybrid model puts collaboration first with employees coming in at least three days per week to our spectacular campus settings and also enjoying the flexibility of remote Fridays, company-wide remote weeks, and a bank of flexible remote weeks to use throughout the year.
Benefits for the whole you (and your loved ones)
There’s more to your life than your job and there’s more to your aspirations than a paycheck. We take a holistic view of compensation and benefits that provides the flexibility to create a healthy balance in your life for work, family, and community. We offer the benefits you’d expect, like medical, dental, 401(k), and generous vacation time, but we also offer ones you might not expect, like three paid days for volunteering, a $1,250 annual Well-Being Wallet, and up to 320 hours of caregiver leave.
Explore some of our offerings below. Benefit details can be found here.
Why MassMutual?
Candy
Marketing Consultant
Atsam
Head of Advisor/Client Experience & Business Excellence
Erica
Head of Procurement
where we work
Springfield Office
1295 State Street, Springfield, MA
Boston Office
10 Fan Pier Blvd, Boston, MA
New York Office
2 Park Ave,
New York, NY
Virtual
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