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Group Underwriting Consultant

Underwriting Job ID R13951

(Group Underwriting Consultant, Worksite Underwriting Team)

(Full-Time, Hybrid, Springfield, or Boston, MA)

The Opportunity

As a group underwriting consultant, you will work in a fast paced,  collaborative environment, providing group quotes on group life and supplemental health products.

The Team

Worksite Underwriting Team – Voluntary Benefits is an integral part of Customer Acquisition and Experience, within MassMutual’s Worksite organization. We are a customer-centric team that strive, through proactive stewardship, to deliver a recommendable experience to our Brokers, Agents, Customers and internal business partners.   If you are organized, enjoy building strong relationships and thrive working in a fast-paced environment, don’t miss this opportunity to be part of a growing team.

The Impact:

The Group Underwriting Consultant will be responsible for appraising and underwriting Groups for insurance to assess mortality and morbidity risk in alignment with risk tolerances within company guidelines to assure equitable treatment of policyholders and producers and to meet the company's financial objectives including revenue and sales growth.  Approves, classifies and declines Groups on own signature. Provides guidance to the sales team and home office staff regarding underwriting questions and requirements. Underwrites Group/Multi-line products within authority limits.

High Level Responsibilities

  • Train and coach UW team and others on new Supplemental Health product introductions

  • Analyze employer information and group demographics to generate presale or renewal underwriting offers in accordance risk guidelines, authority limits and service level expectations. 

  • Professionally and effectively negotiate with Regional Sales Directors and Producers to effectively balance our requirements for top line and bottom line growth.

  • Professionally and effectively communicate decisions including case characteristics relative to pricing expectations/risk guidelines, and decision rationale.

  • Effectively evaluate and negotiate enrollment conditions to optimize participation results.  Ensure appropriate decisions and actions are recommended to support remediation of poor enrollment results, including escalation if warranted.

  • Identify problem solving opportunities and apply tools to continuously improve efficiency and service delivery

The Minimum qualifications:

  • 5+ years of work experience in the Worksite Insurance Industry with product knowledge of some or all of the following: Group Whole Life, Group Universal Life, Group Critical Illness, Group Accident, Group Hospital Indemnity and other general Worksite Voluntary Benefits Products

  • 2+ years of work experience in Supplemental Health Worksite Group Underwriting experience

  • 1+ year experience with Group market and product knowledge including some or all of the following products:  Group Whole Life, Group Universal Life, Group Critical Illness, Group Accident, Group Hospital Indemnity and other general Worksite Voluntary Benefits Products

The Ideal Qualifications:

  • Advanced knowledge and application of general principles of group insurance

  • Understanding of business operating model including TPA and Enrollment Partnerships, capabilities, as well as internal processes, procedures, technology and other systems.

  • Readily understands products and building knowledge of peer companies and competitor offerings

  • Excellent written and verbal communication skills

  • Experience with group underwriting quoting tools and detailed product benefit analysis

  • Experience with flexible pricing models to include technology/platform reimbursements and third party fees

  • Group insurance general industry knowledge

  • Training experience, sharing underwriting expertise with team mates, peers, and sales partners

What to Expect as Part of MassMutual and the Team

  • Regular meetings with the Worksite 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


Salary Range: $92,800.00-$121,800.00 Apply

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.

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About MassMutual®

At MassMutual, we believe in the value of being together in our offices and in personal flexibility.

Our work environment is one where the majority of our team members work a hybrid schedule — working at least three days in the office (Tuesday, Wednesday and a third day) and the rest remotely, balancing flexibility with in-person collaboration. While the majority of our employees follow this hybrid model, some of our roles continue to be 100% on-site and others may be 100% remote, subject to business needs.

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, policyowners and customers, we are defined by mutuality and our vision to put customers first. 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. At MassMutual, we Live Mutual.

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