Senior Underwriting Consultant - Mastery 100% REMOTE

MassMutual

Great Falls Montana

United States

Executive Management
(No Timezone Provided)

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.

Description

​​

*THIS POSITION IS 100% REMOTE / VIRTUAL*

Work from home anywhere in the United States

We are seeking a virtual Senior Underwriter to join our team! You will be responsible for delighting our customers and advisors during the individual life (Term and WL) insurance sales and service process.

Why this opportunity:

  • Opportunity to be a part of an extensive virtual team that is helping more Americans protect the ones they love in a digital way

  • Highly competitive pay & benefits on the first day!

  • 100% remote, work from home anywhere in the US

  • Monday through Friday 40-hour work week; standard business hours, i.e. 8-hour shift anywhere between 8am-8pm EST with OT options available

  • Meet the Team – Underwriting

    It is an exciting time at MassMutual! MassMutual is going through a digital transformation, continuing to be a leading customer-centric company. The team is composed of experienced underwriters supporting our MassMutual Strategic Distributor (MMSD) channel. This includes the initial development and growth of the MMSD channel, as well as the transition to a new digital operating platform within the first ~ 2 years.

    Digital Operations MMSD is an organization providing a variety of customer, advisor, and risk management services (suitability, underwriting and claims adjudication). We support Third Party Distribution and the consumers they serve.

    The team culture is collaborative, cross-functional, and uses old and new technologies combined with the work/life balance. 

    Job Description

    We are looking for a virtual Senior 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 formal & informal life insurance applications

  • 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.

  • Provide efficient, quality service to third party firms, their staff and their advisors

  • 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.

  • Build trust and foster strong rapport with colleagues, business partners, and third party customers

  • Required Qualifications

  • High school diploma or GED

  • 3+ years life insurance underwriting experience with at least $2 million Life Insurance underwriting authority

  • Expert knowledge of all aspects of risk selection (medical, non-medical, financial)

  • Mastery of key underwriting concepts, best practices, and procedures including identifying exposures to loss, material hazards, and implementation of necessary risk management controls

  • Strong knowledge of UW administrative systems, product rules, Underwriting Guidelines and medical factors impacting mortality and the keen ability to position with brokers and sales partners.

  • 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

  • Preferred Qualifications

  • Bachelors degree

  • 7+ years underwriting experience with over $5M life approval limit

  • 10+ years underwriting experience (most current 3+ years on life insurance)

  • $10+ million life approval limit without second sign (all ratings, ages) including 3+ years on third-party life insurance experience

  • Term and permanent life insurance underwriting

  • Knowledge of disability underwriting

  • Third party distribution, banks or wire house underwriting experiences

  • Reinsurance experience

  • Industry exams completed, i.e. FMLI, FALU, CLU, ChFC

  • Salary Range

    $103,000 - $130,000 w annual bonus opportunity **Commensurate with experience**

    #LI-Remote

    #LI-JA1

    Why Join Us.

    We’ve been around since 1851. During our history, we’ve learned a few things about making sure our customers are our top priority. In order to meet and exceed their expectations, we must have the best people providing the best thinking, products and services. To accomplish this, we celebrate an inclusive, vibrant and diverse culture that encourages growth, openness and opportunities for everyone. A career with MassMutual means you will be part of a strong, stable and ethical business with industry leading pay and benefits. And your voice will always be heard.

    Recognized as a 2020 World’s Most Ethical Company by Ethisphere, MassMutual is guided by a single purpose: We help people secure their future and protect the ones they love. As a company owned by our policyowners, 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.

    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. 

    Senior Underwriting Consultant - Mastery 100% REMOTE

    MassMutual

    Great Falls Montana

    United States

    Executive Management

    (No Timezone Provided)

    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.

    Description

    ​​

    *THIS POSITION IS 100% REMOTE / VIRTUAL*

    Work from home anywhere in the United States

    We are seeking a virtual Senior Underwriter to join our team! You will be responsible for delighting our customers and advisors during the individual life (Term and WL) insurance sales and service process.

    Why this opportunity:

  • Opportunity to be a part of an extensive virtual team that is helping more Americans protect the ones they love in a digital way

  • Highly competitive pay & benefits on the first day!

  • 100% remote, work from home anywhere in the US

  • Monday through Friday 40-hour work week; standard business hours, i.e. 8-hour shift anywhere between 8am-8pm EST with OT options available

  • Meet the Team – Underwriting

    It is an exciting time at MassMutual! MassMutual is going through a digital transformation, continuing to be a leading customer-centric company. The team is composed of experienced underwriters supporting our MassMutual Strategic Distributor (MMSD) channel. This includes the initial development and growth of the MMSD channel, as well as the transition to a new digital operating platform within the first ~ 2 years.

    Digital Operations MMSD is an organization providing a variety of customer, advisor, and risk management services (suitability, underwriting and claims adjudication). We support Third Party Distribution and the consumers they serve.

    The team culture is collaborative, cross-functional, and uses old and new technologies combined with the work/life balance. 

    Job Description

    We are looking for a virtual Senior 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 formal & informal life insurance applications

  • 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.

  • Provide efficient, quality service to third party firms, their staff and their advisors

  • 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.

  • Build trust and foster strong rapport with colleagues, business partners, and third party customers

  • Required Qualifications

  • High school diploma or GED

  • 3+ years life insurance underwriting experience with at least $2 million Life Insurance underwriting authority

  • Expert knowledge of all aspects of risk selection (medical, non-medical, financial)

  • Mastery of key underwriting concepts, best practices, and procedures including identifying exposures to loss, material hazards, and implementation of necessary risk management controls

  • Strong knowledge of UW administrative systems, product rules, Underwriting Guidelines and medical factors impacting mortality and the keen ability to position with brokers and sales partners.

  • 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

  • Preferred Qualifications

  • Bachelors degree

  • 7+ years underwriting experience with over $5M life approval limit

  • 10+ years underwriting experience (most current 3+ years on life insurance)

  • $10+ million life approval limit without second sign (all ratings, ages) including 3+ years on third-party life insurance experience

  • Term and permanent life insurance underwriting

  • Knowledge of disability underwriting

  • Third party distribution, banks or wire house underwriting experiences

  • Reinsurance experience

  • Industry exams completed, i.e. FMLI, FALU, CLU, ChFC

  • Salary Range

    $103,000 - $130,000 w annual bonus opportunity **Commensurate with experience**

    #LI-Remote

    #LI-JA1

    Why Join Us.

    We’ve been around since 1851. During our history, we’ve learned a few things about making sure our customers are our top priority. In order to meet and exceed their expectations, we must have the best people providing the best thinking, products and services. To accomplish this, we celebrate an inclusive, vibrant and diverse culture that encourages growth, openness and opportunities for everyone. A career with MassMutual means you will be part of a strong, stable and ethical business with industry leading pay and benefits. And your voice will always be heard.

    Recognized as a 2020 World’s Most Ethical Company by Ethisphere, MassMutual is guided by a single purpose: We help people secure their future and protect the ones they love. As a company owned by our policyowners, 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.

    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.