Life Underwriting Consultant

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 prioritize their needs above all else. We Live Mutual.
The Opportunity
We are seeking virtual Life Insurance Underwriters to join our team! You will be responsible for delivering best-in-class customer service to our customers, both internal and external, while assessing their eligibility for coverage.
Why this opportunity:

• Opportunity to be a part of an extensive virtual team that is helping more consumers protect the ones they love in a digital environment
• Highly competitive pay & benefits on the first day!
• 100% remote, work from home anywhere in the US
• Cohort-based onboarding and training program
• Monday through Friday 40-hour work week; standard business hours, i.e. 8-hour shift anywhere between 8am-8pm EST

The Team
It is an exciting time at MassMutual! MassMutual is going through a digital transformation, while continuing to be a leading customer-centric company. The team culture is collaborative, cross-functional, and uses old and new technologies combined with the work/life balance.
We are looking for a virtual Life Underwriter to join our team, tasked with underwriting life insurance in a fast-paced diverse work environment that is inclusive and values different experiences, backgrounds, and knowledge.
Role and Responsibilities

• Evaluate and handle all underwriting aspects of inforce formal life insurance applications as well as pre-sale risk questions.
• Determine 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.
• Understand underwriting policies, guidelines, practices and procedures
• Influence and champion changes to improve processes while maintaining mortality expectations.
• Tailor communication style to fit a variety of target audiences, i.e. agency, new business personnel and foster relationships with advisors and third-party partners.
• Collaborate effectively with stakeholders to gather information necessary for decision making and to select profitable risks.
• Provide consultations with third party firms to resolve, rate questions and discrepancies, or risk related concerns. Consider total case financials, relationship and value of customer
• Leverage interpersonal and emotional intelligence skills to develop relationships with key business partners across this competitive landscape, which can be relied on to inform decisions and communicate underwriting decisions.
• Able to independently work assigned requests with minimal direction.
• Comfortable with ambiguity and change.
• Build trust and foster strong rapport with colleagues, business partners, agencies and third-party customers.

The Minimum Qualifications

• High school diploma or GED
• 1+ years life insurance underwriting experience (medical, non-medical, financial)
• Minimum established life insurance underwriting authority limit of $3 million

The Preferred Qualifications

• 3+ years underwriting experience with a minimum established life insurance approval limit of $5 million
• Term and permanent life insurance underwriting
• Third party distribution, banks or wire house underwriting experiences
• Reinsurance experience
• Inforce underwriting experience
• Industry exams completed towards FLMI, FALU, CLU, ChFC
• Demonstrated track record of working with minimal supervision, being a self-starter and working with others in a team environment
• Ability to think critically, problem solve using data to drive toward resolution
• Positive, inclusive, agile, and collaborative mindset
• Strong verbal and written communication skills

What to Expect as Part of MassMutual and the Team

• Regular meetings with the underwriting team
• Networking opportunities including access to Asian, Hispanic/Latinx, African American, women, LGBTQ, Veteran and disability-focused Business Resource Groups
• Your ethics and integrity will be valued by a company with a strong and stable ethical business with industry leading pay and benefits

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