Mutual Opportunities
Underwriter Consultant
Remote - US
Thank you to our employees for voting us one of the top places to work in Massachusetts for five 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
The Team
The Disability Insurance (DI) Underwriting Risk Management Underwriting Consultant will support the Office of the Head DI Underwriter (OOHU) within the Disability Underwriting Governance Team by demonstrating accountability, agility, a dedication to being inclusive, a strong business acumen, and will show courage, even in the most difficult situations. We also value strong communication skills, a passion for learning, leadership traits, resilience, and self-awareness. The successful candidate will be able to:
- Demonstrate a strong understanding of our underwriting policies, guidelines, practices and procedures and a willingness to champion changes to improve processes while maintaining morbidity expectations.
- Have a strong working knowledge of the regulatory environment, compliance, claims reviews, product development and the maintenance of MassMutual’s non-medical underwriting manual.
- Provide technical expertise for the department in all areas of medical and non-medical underwriting. This could be on individual cases or in monitoring trends at MassMutual and in the industry.
- Develop recommendations for new and competitive underwriting guidelines with research, documentation, marketing, and presentations.
- Think critically and problem solve using data to drive toward resolution.
The Impact
- Responsibility for making sure that we are compliant with all MassMutual as well as any state or Federal legal obligations in the underwriting area.
- Review contestable claims.
- Track for possible trends and to validate that our current underwriting practices are sound, and measures are in place.
- Provide recommendations based on the trending output to the Head DI Underwriter, e.g., potential guideline changes or targeted training.
- Point of contact for any other claims concerns or issues that may require underwriting expertise.
- Participate in new product development and will need to communicate all new product initiatives/changes to the department.
- Make recommendations on new underwriting guidelines that apply.
- Provide support with other work items as assigned by Head DI Underwriter, e.g., guideline reviews, project support, training and overall risk oversight and governance, working closely with Head Underwriter.
- Be forward thinking by looking for synergies across product lines (Life, DI and LTC) for commonality in developing guidelines and underwriting requirements with the objective of growing our concur business.
- Interpret large sets of data and effectively communicate data trends.
- Consults with stakeholders on core issues and watch list items openly share knowledge, information, and feedback, collaborating to identify solutions and supporting team success.
- Lean into new challenges as they arise. Be comfortable with ambiguity.
- Handles projects with a sense of urgency based on business prioritization
- Distill information into concise summaries and tools for diverse internal audiences
Minimum Qualifications
- A high school diploma / GED
- 8+ years of relevant work experience in DI Insurance Underwriting
- Must have an established approval limit without second signature - $20,000 per month of DI, $50,000 Business Overhead and $3,000,000 of Buy-Sell
- 3+ years experience with Microsoft Office Suite and data visualization tools (e.g., Tableau)
Preferred Qualifications
- Bachelor’s Degree
- Industry exams completed, e.g., ALU 101, 201, 202, LOMA, ALMI, FMLI, ALU, FALU, DIA, DIF, RHU
- Mastery knowledge of individual DI insurance practices, underwriting standards, and operations
- Confident communicator with strong written and verbal communication skills
- Be able to think strategically and influence others
- Ability to partner with key constituents to support strategic and tactical development
- A demonstrated track record of consistently meeting and/or exceeding performance expectations
- Intrapreneur mindset – you drive your business forward with latitude for independent decision making
What to Expect as Part of MassMutual and the Team
- Regular meetings with the MassMutual DI Risk Management and Governance 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
#LI-REMOTE
#LI-JA1
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.
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: $113,100.00-$148,400.00
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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