Mutual Opportunities
Underwriting 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 MassExpress 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 accelerated 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 well in order to continue to grow your skills.
The Impact
- Evaluate and handle all underwriting aspects of formal life insurance applications
- Understand underwriting policies, guidelines, practices and procedures
- Determine accelerated outcome eligibility, as well as 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
- 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
Minimum Qualifications
- A high school diploma/GED
- 1+ years of prior life insurance underwriting experience
- Granted approval authority of at least $1 million
Preferred Qualifications
- 4-year college degree
- Existing approval authority of greater than $1 million
- Industry exams, training, and designations (i.e. ACS, ALMI, FLMI, FALU)
- Knowledge of accelerated and non-accelerated underwriting, including an understanding of the roles of underwriting rules, data models, and algorithmic underwriting
- Solid understanding 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
- Strong verbal and written communication skills
- A demonstrated customer service mindset
- Ability to think critically
- Work as a team player to contribute to a positive work environment
- Dependable and accountable to self to complete assigned work within stated expectations
What to Expect as Part of MassMutual and the Team
- Regular meetings with the MassExpress accelerated 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
#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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