Associate Underwriter, Remote

Fully Remote

Reporting to a Team Manager, the Associate Underwriter is responsible for evaluating new life insurance applications and in force cases with a focus on quality standards, timeliness, and productivity to determine whether an application should be approved, declined or if additional information is required. Associate Underwriters receive ongoing training, coaching and mentorship designed to develop technical underwriting expertise and decision-making skills. Associate Underwriters are granted authority to assess cases with a 2-year total amount at risk of $1,000,000 or less. The Associate Underwriter relies on medical and non-medical Underwriting guidelines, claims data, prescription database information, and predictive models to independently evaluate an applicant's risk classification. They are expected to evaluate an applicant's overall risk profile, not simply summing the total from individual risk factors. Technical Leads, Medical Directors, and Team Managers are available for consult as necessary, but Associate Underwriters are expected to make an assessment recommendation.
Underwriters will be required to manage agent interactions related to ratings and appeals, document their decisions, and support business objectives while maintaining mortality risk selection.
Evaluate life insurance applications and accurately classify mortality risk using medical and nonmedical information for cases with a 2-year TAAR of up to $1 million, including cases involving Attending Physician Statements and complex medical histories.

• Apply established underwriting knowledge while continuing to develop technical expertise through ongoing training, mentorship, and continuous learning opportunities.
• Communicate underwriting requirements, application updates, reinsurance considerations, reconsideration requests and final decisions to agents and General Office personnel through both written and verbal interactions with a high degree of professionalism and clarity.
• Maintain a strong understanding of underwriting systems, product rules, medical advances, and mortality trends to support accurate and consistent decision-making.
• Support adoption and effective use of underwriting models, rules engines, and emerging tools by applying judgment and ensuring alignment with guidelines and risk philosophy.
• Independently manage assigned underwriting cases within established authority, seeking consultation when case complexity or risk exceeds established authority.

Bachelor's degree preferred or equivalent combination of education and relevant experience.

• Strong customer service orientation with the ability to deliver timely and professional support.
• Proficiency with technology and a willingness to learn new systems, digital tools, and data-driven approaches.
• Demonstrated ability to learn and apply complex concepts, policies, and procedures in a structured environment

Overtime eligible: Discretionary bonus eligible: Sales bonus eligible: Additionally, employees are eligible for an annual discretionary bonus. This role requires FINRA licensed and/or FINRA Associated Person pre-hire fingerprinting.
Click hereto discover more about our comprehensive benefit options or visit our NYL Benefits Site.
Our Commitment to Inclusion
At New York Life, fostering an inclusive workplace is fundamental to who we are and how we serve our communities. This foundation is rooted in our core values of humanity and integrity, ensuring that every employee feels valued and supported. By embracing a broad range of perspectives and experiences, we achieve greater success and fulfill our promise of providing financial security and peace of mind to families across all communities. Recognized as one of Fortune's World's Most Admired Companies, New York Life is committed to improving local communities through a culture of employee giving and volunteerism, supported by the Foundation. We're proud that due to our mutuality, we operate in the best interests of our policy owners. About NY Life Insurance Company
Diversity & Humanity-two values that are deeply rooted in the New York Life culture and have laid the foundation for over 175 years of commitment to our employees, agents, policy owners, and the communities where we live and work. The strength of New York Life revolves around our diversified, multi-dimensional business portfolio that goes beyond life insurance, and we want you to be a part of our legacy.
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