Mutual Opportunities
LTC Actuary- "Inforce Management"
Springfield, Massachusetts; Boston, Massachusetts
Thank you to our employees for voting us one of the top places to work in Massachusetts for seven consecutive years!
Overview
At MassMutual, actuaries play a key role in the company’s strategic decision-making. They support our expanding client base by developing innovative products, identifying new market opportunities, and driving initiatives that fuel business growth.
Our actuarial team draws intellectually curious individuals who want to work somewhere where they’re empowered to make change. At MassMutual you’ll find challenging and impactful work, a culture of recognition, and a supportive growth environment.
“At MassMutual, our actuarial community is driven by a shared commitment to excellence, innovation, and impact. We empower our actuaries to grow through meaningful work, collaborative teams, and a culture that values both technical rigor and human connection. Whether you're just starting out or advancing your career, you'll find opportunities here to shape the future of financial security while building a career that matters.”
Job Description
The Opportunity
MassMutual is looking for an experienced actuary to join our LTC Inforce Management team. In this role, you’ll help shape strategy and financial performance for our long-term care (LTC) products, collaborating across actuarial, finance, product, and regulatory teams to ensure our inforce management approach supports MassMutual’s long-term goals.
The Team
You’ll join a group responsible for the actuarial oversight of our individual stand‑alone LTC products and hybrid LTC riders. The team drives key inforce management activities, including repricing, regulatory testing and filings, dividend analysis, wellness program evaluation, and other strategic initiatives that enhance financial outcomes and customer value.
Your Impact
In this role, you’ll help guide the financial health and long‑term performance of MassMutual’s LTC products. You’ll blend actuarial expertise with strategic thinking—analyzing data, navigating regulatory requirements, identifying risks, and offering insights that shape product decisions and support our customers. Your work will directly influence pricing, compliance, wellness programs, and broader inforce initiatives across the organization. Your responsibilities will include but not be limited to the following:
- Support regulatory requirements such as annual rate certifications and illustration testing
- Contribute to annual LTC dividend analysis
- Oversee and analyze LTC wellness program results, providing insights and recommendations
- Identify inherent product risks and develop strategies to manage and mitigate those risks
- Perform sensitivity analyses on key assumptions and explain implications to stakeholders
- Extract meaningful insights from data/models and present complex information clearly
- Partner with the broader Profitability Management & Strategy team on cross‑functional initiatives
- Support additional LTC inforce and strategic initiatives as needed
- Promote continuous improvement by challenging existing processes, offering new perspectives, and championing innovation
Minimum Qualifications
- Bachelor’s degree in Actuarial Science or related field
- Associate of the Society of Actuaries (ASA)
- 5+ years of actuarial experience
- 1+ year of life or health insurance experience
Ideal Qualifications
- Fellow of the Society of Actuaries (FSA) and MAAA
- Experience with LTC products
- Qualification to sign actuarial opinions for LTC, disability income, chronic illness, or accident products
- Experience with state filings, rate filings, and regulatory responses
- Strong communication skills and ability to work with technical and non‑technical partners
- Demonstrated analytical thinking, problem‑solving ability, and comfort navigating complexity
- Self‑motivated, curious, and proactive in exploring solutions and driving improved outcomes
#LI-KM1
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.
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: $144,800-$190,000
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?
Kevin
Compliance Consultant
Seth
Service Management Consultant
Kymberly
Head of Experience Journey Mapping
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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