Senior Life Underwriter - Remote, Strategy & Mentorship

MassMutual; Boston (MA); On-site; USD 116,000 - 152,000; Full time

Job summary

MassMutual, a leader in life insurance, seeks a senior Life Underwriter to evaluate complex risks, determine accept/modify/decline decisions, and partner with advisors to deliver best-offer outcomes. The role supports field partners and shapes underwriting strategy through digital tools and data-driven decisions.

You will influence processes, mentor talent, and ensure mortality expectations are met while maintaining exceptional customer experience.

Qualifications

• High school diploma or GED.
• 5+ years life insurance underwriting experience.
• $5+ million life insurance underwriting authority.
• 10+ years underwriting experience.
• $10+ million dollar life insurance underwriting authority.
• Expert knowledge of risk selection (medical, non-medical, financial).
• Mastery of underwriting concepts, guidelines, and procedures.
• Experience with term and permanent life insurance.
• Agency, brokerage distribution, banks or wire house underwriting experience.
• Reinsurance experience.
• Industry designations: FMLI, FALU, CLU, ChFC, etc.

Responsibilities

• Evaluate and handle all underwriting aspects of formal & informal life insurance applications.
• Determine whether to accept, modify, or decline a risk based on medical, occupational, and financial factors.
• Deliver the best offer first to drive the sale and not just a decision.
• Provide efficient, quality service to third party firms, staff, and advisors.
• Explain underwriting decisions to customers and facilitate placement of business.
• Understand underwriting policies, guidelines, and procedures.
• Influence changes to improve processes while maintaining mortality expectations.
• Tailor communication to agency and broker audiences; foster advisor relationships.
• Provide consultations with third party firms to resolve rate-related questions.

Skills

underwriting expertise

risk assessment

communication skills

team collaboration

Education

High school diploma or GED

Job description

MassMutual, a leader in life insurance, seeks a senior Life Underwriter to evaluate complex risks, determine accept/modify/decline decisions, and partner with advisors to deliver best-offer outcomes. The role supports field partners and shapes underwriting strategy through digital tools and data-driven decisions.

You will influence processes, mentor talent, and ensure mortality expectations are met while maintaining exceptional customer experience.