Underwriting Consultant

The Opportunity
As an Underwriting Consultant - Core on MassMutual's Accelerated Underwriting Team, you will be part of a dynamic group of underwriters dedicated to fulfilling the commitment of MassMutual's accelerated (fluidless) underwriting strategy. This is a fast-paced diverse work environment that is inclusive and values different experiences, backgrounds, and knowledge. You will be immersed in a team with a primary focus on delivering quality fluidless underwriting decisions within expected time standards.
The Team
The Accelerated Underwriting Team consists of underwriters specializing in cases trending towards a fluidless underwriting outcome. This includes a diverse mix of both early-career and seasoned professionals, collectively contributing to the team's success. The accelerated underwriting challenge, involving decisions with limited information, demands a blend of analytical thinking, adaptability, and collaboration. The team will also play an important role in supporting the regional core teams, ensuring a smooth transition for cases determined to be not eligible for fluidless processing. You will work toward a "best offer first" mentality, and a collaborative, customer-focused mindset. Additionally, you will be given opportunities to underwrite non-accelerated business as well in order to continue to grow your skills.
The Impact

• Evaluate and handle all underwriting aspects of formal life insurance applications
• Understand underwriting policies, guidelines, practices and procedures
• Determine fluidless eligibility, as well as 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
• Ability to tailor communication style to fit the target audience
• Collaborate effectively with stakeholders to gather information necessary for decision making and to select profitable risks

Minimum Qualifications

• A high school diploma/GED
• 1+ years of prior life insurance underwriting experience with a granted approval authority

Preferred Qualifications

• 4-year college degree
• Existing approval authority of $1 million or greater
• Industry exams, training, and designations (i.e. ACS, ALMI, FLMI, FALU)
• Knowledge of fluidless and non-fluidless underwriting, including an understanding of the roles of underwriting rules, data models, and algorithmic underwriting
• Solid understanding of underwriting concepts as well as medical, non-medical, and financial risks
• Ability to work in a fast-paced environment; ability to multi-task
• Flexibility to handle changing priorities
• Familiarity with technology tools and digital acumen

What to Expect as Part of MassMutual and the Team

• Regular meetings with the Accelerated Underwriting team
• Focused one-on-one meetings with your manager
• Access to mentorship opportunities
• 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
• 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 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.
If you need an accommodation to complete the application process, please contact us and share the specifics of the assistance you need.
Salary Range: $65,800.00-$86,300.00