FINRA-Licensed Life Insurance Associate Underwriter

New York Life Insurance Co.; New York (NY); On-site; USD 65,000 - 93,000; Full time

Job summary

New York Life Insurance Co. seeks an Associate Underwriter to evaluate life insurance applications and in-force cases, applying medical and nonmedical data and predictive models to determine risk and decisions.

You will be mentored and trained to develop underwriting expertise and professional judgment within established authority. You will manage underwriting tasks, communicate requirements to agents and General Office staff, and stay current with rules, models, and mortality trends to ensure

Qualifications

• Bachelor’s degree preferred or equivalent combination of education and relevant experience.
• Strong analytical, critical thinking, and problem-solving skills with the ability to evaluate information and make sound decisions.
• Strong verbal and written communication skills with the ability to clearly articulate decisions and influence stakeholders.
• Strong customer service orientation with the ability to deliver timely and professional support.
• Strong organizational and time management skills with the ability to prioritize multiple responsibilities while maintaining attention to detail.
• 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.

Responsibilities

• 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.

Skills

Analytical thinking

Critical thinking

Decision making

Strong communication

Customer service

Time management

Team collaboration

Education

Bachelor’s degree or equivalent

Job description

New York Life Insurance Co. seeks an Associate Underwriter to evaluate life insurance applications and in-force cases, applying medical and nonmedical data and predictive models to determine risk and decisions.

You will be mentored and trained to develop underwriting expertise and professional judgment within established authority. You will manage underwriting tasks, communicate requirements to agents and General Office staff, and stay current with rules, models, and mortality trends to ensure