Remote Life Insurance Underwriter

At MassMutual, we're transforming the future of life insurance underwriting through innovation, technology, and an unwavering commitment to delivering exceptional experiences for our customers and advisors. As a Life Underwriter , you will play a critical role in evaluating complex life insurance risks, making sound mortality and financial assessments, and partnering with distribution and account management teams to deliver first-offer, best-offer outcomes. This is an opportunity to leverage your expertise while influencing underwriting strategy, supporting field partners, and helping families secure their financial futures.

You'll work alongside experienced underwriting professionals, contribute to key strategic initiatives, mentor emerging talent, and help shape the evolution of underwriting through digital transformation and advanced decision-making tools. If you are a customer-focused underwriting leader who thrives in a fast-paced environment and is passionate about balancing risk management with an outstanding customer experience, we invite you to bring your talents to MassMutual and help us continue our mission of helping people protect the ones they love.

Theseorganizationsprovidea variety of customer, advisor, and risk management services.Evaluate and handle all underwriting aspects of formal & informal life insurance applications

Determinewhether to accept,modify, or decline a risk through evaluation of an individual's medical history or physical condition, occupational hazard, and financial background.

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

Communicate effectively with customers to explain underwriting decisions andfacilitateplacement of business.

Understand underwriting policies, guidelines, practices,and procedures.

Tailor communication style to fit a variety of target audiences,i.e.agencyandnew business personnel. Provide consultations with third party firms to resolverate-relatedquestions and discrepancies or risk-related concerns.

High school diploma or GED.

• 5+ years life insurance underwriting experience.
• $5+million life insurance underwriting authority.

10+ million dollar life insurance underwriting authority.

• Expert knowledge of all aspects of riskselection(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 factorsimpactingmortality and the keen ability to position withagents,brokers,and sales partners.
• Experience underwriting both term and permanent life insurance.
• Agency, brokeragedistribution,banksor wire house underwriting experience.
• Demonstratedtrack recordof 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.
• MassMutual offers the opportunity to do meaningful work within a purpose-driven organization that values long-term impact over short-term outcomes. Clear areas of ownership and accountability, with work that connects directly to company and customer outcomes

Access to learning, development, and internal networks that support continuous growth and skill-building over time

Employee-led communities and forums that foster connection, learning, and inclusion across the organization

LI-Remote

If you need an accommodation to complete the application process, please contact us and share the specifics of the assistance you need.

California residents: