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Mutual Opportunities

Smiling Women

Underwriter Consultant

Remote - US
Job Category Underwriting ID R16538
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The Boston Globe: Top Places to Work 2023 Massachusetts

Thank you to our employees for voting us one of the top places to work in Massachusetts for five consecutive years!

Overview

A career with us means you’ll work alongside exceptional people and be empowered to reach your professional and personal goals. Our employees are at the foundation of what enables MassMutual to deliver on our purpose to help people secure their futures and protect the ones they love.

We embrace the idea that we all are stronger and better through our support for one another. We strive to create a culture where employees feel valued and are celebrated for who they are.

People working together
Roger Crandall
Roger CrandallCEO
“Since our founding in 1851, mutuality has put our policyowners at the center of everything we do. At our core, we’re a company of people helping people in their time of need, and that spirit extends to the culture we’ve built at our company. Our employees support and rely on each other each day, collaborating to deliver the best solutions for our customers and help millions more secure their future and protect the ones they love.”

Job Description

The Opportunity

As an Underwriting Consultant - Advanced on MassMutual's Accelerated Underwriting Team, you will be part of a dynamic group of underwriters dedicated to fulfilling the commitment of MassMutual's accelerated (fluidless) underwriting strategy.  This is a fast-paced diverse work environment that is inclusive and values different experiences, backgrounds, and knowledge.  You will be immersed in a team with a primary focus on delivering quality fluidless underwriting decisions within expected time standards. 

The Team

The Accelerated Underwriting Team consists of underwriters specializing in cases trending towards a fluidless underwriting outcome. This includes a diverse mix of both early-career and seasoned professionals, collectively contributing to the team's success. The accelerated underwriting challenge, involving decisions with limited information, demands a blend of analytical thinking, adaptability, and  collaboration. The team will also play an important role in supporting the regional core teams, ensuring a smooth transition for cases determined to be not eligible for fluidless processing.  You will work toward a “best offer first” mentality, and a collaborative, customer-focused mindset.  Additionally, you will be given opportunities to underwrite non-accelerated business.  As capacity allows, you may also be asked to contribute your expertise towards strategic initiatives to continue to drive success in this program. 

The Impact

  • Evaluate and handle all underwriting aspects of formal life insurance applications
  • Understand underwriting policies, guidelines, practices and procedures
  • Determine fluidless eligibility, as well as determine whether to accept, modify, or decline a risk through evaluation of an individual's medical history or physical condition, occupational hazard, and financial background
  • Deliver the best offer first to drive the sale and not only a decision.
  • Communicate effectively with customers to explain underwriting decisions and facilitate placement of business
  • Train, mentor and/or co-sign less-experienced underwriters
  • Influence and champion changes to improve processes while maintaining mortality expectations
  • Ability to tailor communication style to fit the target audience
  • Collaborate effectively with stakeholders to gather information necessary for decision making and to select profitable risks
  • Leverage interpersonal and emotional intelligence skills to develop relationships with key internal and external customers which can be relied on to inform decisions and communicate underwriting decisions

Minimum Qualifications

  • A high school diploma/GED
  • 4+ years of prior total life insurance underwriting experience with a granted approval authority
  • 2+ years of accelerated (fluidless) underwriting experience

Preferred Qualifications

  • 4-year college degree
  • Existing approval authority of $3 million or greater
  • Prior successful experience in mentoring, training, and co-signing for others
  • Industry exams, training, and designations (i.e. ACS, ALMI, FLMI, FALU)
  • Knowledge of fluidless and non-fluidless underwriting, including an understanding of the roles of underwriting rules, data models, and algorithmic underwriting
  • Demonstrated knowledge of underwriting concepts as well as medical, non-medical, and financial risks
  • Ability to work in a fast-paced environment; ability to multi-task
  • Flexibility to handle changing priorities
  • Familiarity with technology tools and digital acumen
  • Ability to think critically and problem solve using data to drive toward resolution

What to Expect as Part of MassMutual and the Team

  • Regular meetings with the Accelerated Underwriting team
  • Focused one-on-one meetings with your manager
  • Access to mentorship opportunities
  • 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

MassMutual is an Equal Employment Opportunity employer Minority/Female/Sexual Orientation/Gender Identity/Individual with Disability/Protected Veteran. We welcome all persons to apply. Note: Veterans are welcome to apply, regardless of their discharge status.

If you need an accommodation to complete the application process, please contact us and share the specifics of the assistance you need.
EEO Statement (Opens in new window)

MassMutual will accept applications on an ongoing basis until such time as a candidate has been offered employment.


Salary Range: $84,100.00-$110,300.00
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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*

  • 88% of employee respondents say they are proud to work at MassMutual
  • 90
    %
    of employee respondents say they feel encouraged to bring forth new ideas
  • 86% of employee respondents say MassMutual cares about and supports the well-being of their employees

*Source: 2024 MassMutual employee engagement survey

Award-Winning Culture

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 embrace diversity in every sense, focusing on building a thriving community where everyone is valued, included, and feels that they belong.

At MassMutual, we Live Mutual.

How We Work

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.

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Paid Time Off

  • In addition to generous vacation time, paid holidays, and flexible holidays, MassMutual offers 'take care' time to care for yourself or someone you love—whether for physical illness or mental health.
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Health & Well-Being

In addition to top-line medical and dental coverage, personalized mental health solutions, on-site and virtual health coaching, and much more, MassMutual reimburses employees up to $1,250 per year for eligible expenses supporting mental, physical, and financial well-being.

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Financial Well-Being

In addition to competitive salaries and bonuses, educational assistance programs, and much more, MassMutual offers up to a 10% total 401(k) benefit, consisting of a 5% company match and a 5% annual contribution.

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Taking Care

MassMutual offers generous maternity and parental leaves, as well as bereavement leave to mourn the loss of a loved one (and the employee defines 'loved one'). In addition, we offer up to 320 hours of caregiver leave to help employees support loved ones in times of need.

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Giving Back

MassMutual offers three paid days for employees to volunteer with eligible nonprofits of their choice, and the MassMutual Foundation matches employee donation dollars to eligible nonprofit organizations up to $5,000 annually.

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Commuter Benefits

MassMutual offers a Qualified Commuter Program through which eligible employees can pay qualified workplace commuting expenses with before-tax dollars, as well as a commuter wallet option for employees based at Boston and NYC campuses.

Why MassMutual?

Kevin

Compliance Consultant

Seth

Service Management Consultant

Kymberly

Head of Experience Journey Mapping

where we work

Springfield Office

Springfield Office

1295 State Street, Springfield, MA

Boston Office

Boston Office

10 Fan Pier Blvd, Boston, MA

New York Office

New York Office

2 Park Ave,
New York, NY

Virtual

Virtual

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