MassMutual

Underwriting Consultant – Disability Insurance

MassMutual

full-time

Posted on:

Location Type: Remote

Location: California • Florida • United States

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Salary

💰 $92,800 - $121,800 per year

About the role

  • Own the end-to-end underwriting process for Disability Insurance applications, analyzing each case holistically to drive confident, well-informed decisions.
  • Assess and balance medical history, occupational risk, financial background, and overall case dynamics to determine approval, modification, or declination.
  • Deliver the best offers first, focusing on solutions that accelerate placement and support successful sales—not just decisions.
  • Serve as a trusted underwriting partner to third-party firms, their staff, and advisors by providing timely, high-quality, and solutions-oriented service.
  • Clearly and confidently communicate underwriting outcomes to customers and advisors, helping move business forward with transparency and trust.
  • Apply deep knowledge of underwriting guidelines, policies, and practices while exercising sound judgment beyond the checklist.
  • Champion process improvements and modernization efforts, influencing positive change while maintaining strong morbidity and risk expectations.
  • Adapt communication style to meet the needs of diverse audiences, building strong relationships with advisors and third-party partners.
  • Collaborate cross-functionally with internal and external stakeholders to gather critical insights and select profitable, well-structured risks.
  • Provide consultative support to third-party firms, helping them navigate complex risk scenarios and underwriting considerations.
  • Leverage emotional intelligence and relationship-building skills to strengthen partnerships and elevate underwriting credibility in a competitive market.
  • Work independently with confidence, navigating ambiguity and managing assigned cases with minimal oversight.
  • Earn trust and build lasting rapport with colleagues, business partners, and third-party customers.
  • Coach and mentor less experienced underwriters, contributing to team growth, knowledge sharing, and underwriting excellence.

Requirements

  • High school diploma or GED
  • 7+ years of disability insurance underwriting
  • $10K approval authority in disability insurance underwriting
  • Bachelor’s degree (preferred)
  • 8+ years of Disability Income underwriting experience (preferred)
  • Authority to approve $15K+ IDI, $20K+ Business Overhead Expense, and $500K Buy-Sell cases without second signature (preferred)
  • Demonstrated success underwriting in a fast-paced, high-volume environment (preferred)
  • Experience underwriting through third-party distribution, banks, or wirehouse channels (preferred)
  • Completion of relevant industry designations/exams (e.g., ALU 101/201/202, LOMA, ALMI, FMLI, ALU, FALU, DIA, DIF) (preferred)
  • Expert knowledge of risk selection, including medical, non-medical, and financial factors (preferred)
  • Strong command of underwriting principles, best practices, and risk management controls (preferred)
  • Deep understanding of underwriting systems, product rules, guidelines, and medical factors impacting morbidity (preferred)
Benefits
  • Health insurance
  • 401(k) matching
  • Flexible work hours
  • Paid time off
  • Remote work options
  • 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
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
disability insurance underwritingrisk selectionunderwriting principlesrisk management controlsmedical history assessmentoccupational risk assessmentfinancial background analysisunderwriting guidelinesprocess improvementsconsultative support
Soft Skills
communicationrelationship-buildingemotional intelligencecollaborationcoachingmentoringtrust-buildingadaptabilityproblem-solvingdecision-making
Certifications
ALU 101ALU 201ALU 202LOMAALMIFMLIALUFALUDIADIF