Mutual Opportunities
Underwriter - Disability Insurance
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
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.
*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
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: $65,800-$86,300
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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